ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Eamonn James O'Hagan

Hearing Date: 10/14/2026
Last Updated: 10/8/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am19-19744 / EJOPeter E. Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTRUSTEE NOTICE DEEMING CONDUIT MTG PAYMENTS CURRENT/US BANK TRUST
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am19-20185 / EJOCandyce I. Smith-Sklar, Esq.Motion to Cancel DischargeNo Opposition FiledMTN TO CANCEL DISCHARGE/US DEPT HUD
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am20-14348 / EJOKevin C. Fayette, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition FiledMTN REOPEN to file Cert in Support of Discharge/Financial Management and waive requirement for debtor husband. (dm)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am21-16449 / EJOMarcia Y. Phillips, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN VACATE DISMISSAL
Email InquiryMatter ResolvedRequest
Adjournment
210/14/2026 9:00 am21-18635 / EJOJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnMinutes amended from Dismissed to ADJ to 10/14.
Final payment made and Notice of Death filed.

Debtor obj<>FAILED TO FILE MTN FOR CONTINUED ADMIN
Email InquiryMatter ResolvedRequest
Adjournment
610/14/2026 9:00 am22-13264 / EJOPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP 10/14 **** Subject to Terms

7/14 AMT: FILED STATUS CH TO AMEND MINUTES FROM TR ORDER TO CONTINUED<>

TRUSTEE ORDER PROPOSED -AMT: $ 149,732 PTD (50); $ 4,200 X 10 BEG 7/1/26; MP IN 14 DAYS TO SURR MITSIBUSHI OR FILE MTN TO REINSTATE STAY (EMAIL TO DEBTOR)

debtor obj<>SV/GLOBAL LENDING; CONDUIT PLAN PAYMENT NEEDS TO INCREASE TO DUE NTC OF PYMT CHANGES
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am22-14323 / EJOMARK G CARUSILLOMotion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN DEEMING CONDUIT MTG PAYMENTS CURRENT TO NATIONSTAR MTG
Email InquiryMatter ResolvedRequest
Adjournment
510/14/2026 9:00 am22-14960 / EJOJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS ($4892); DEBTOR FAILED TO ENROLL IN TFS WITHIN 14 DAYS OF 2/25/26 TR ORDER
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am22-15002 / EJOYakov Rudikh, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> US BANK ( Padgett)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am22-16050 / EJOJuan C Velasco Motion Sell Free and Clear of Liens under 363(f) (FEE)Needs Resolution of Issues - Objections- Interested parties not served properly (Doc #95) ... service only made by regular mail. (dm)
- No exemption taken but only $220 GUCs filed in the case. (dm)

OST - Motion to Sell Real Estate/#51
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am22-16292 / EJOJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: MP 10/14<> HR

Debtor obj<> SV/MTG ASSETS
Email InquiryMatter ResolvedRequest
Adjournment
910/14/2026 9:00 am22-17390 / EJOJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, made pymts<>SELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am22-17635 / EJORobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/25/2026 9:00 am
ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am22-19692 / EJOKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsLast payment made in July ... not registered on TFS (dm)

Debtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-10919 / EJOKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - Objections$475 TFS pending for 10/5/26 (dm)

Debtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-12348 / EJODonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS; NOT PAYING CORRECT TIER
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-13810 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>STRUCTURED ASSET SECURITIES MTG (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-14151 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-14239 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsARREARS<> Debtor obj, can make pymt
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-15094 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objections***Proposed Trustee Order $55,738 PTD, then $1,565 X 20 starting 11/1/26***

Debtor obj, will pay<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-19363 / EJOCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will pay<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-19630 / EJORobert Cameron Legg, Esq.Motion SellNo Opposition FiledPROPERTY #590
Email InquiryMatter ResolvedRequest
Adjournment
1410/14/2026 9:00 am23-20954 / EJOThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsProof of $1,000 bank check filed on Docket - ADJ to 10/14 (dm)

9/22 - no TFS payment scheduled. (dm)

Debtor obj, will pay<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am23-21005 / EJODavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>FAILED TO REFI BY 10/16/25
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-10423 / EJOYakov Rudikh, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor owes for Oct. (dm)

Debtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-10772 / EJORussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsARREARS<>Debtor obj, making pymts
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-10812 / EJOMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsBANK OF AM (FRENKEL LAMBERT)<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-13725 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>PLAN NOT FEASIBLE DUE TO US DEPT ED POC #12-1; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-18257 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-19074 / EJOGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition FiledALLY CAPITAL (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
2110/14/2026 9:00 am24-19086 / EJOPeter E. Zimnis, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsADJ Request to 10/14 - $1,578 in money orders uploaded and mailed out on 9/21/26. (dm)

Debtor obj, will pay<> ARREARS

Email InquiryMatter ResolvedRequest
Adjournment
2210/14/2026 9:00 am24-19243 / EJOJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsADJ to 10/14 Peremptory

Debtor obj<>ARVEST BANK (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-19658 / EJOJustin M. Gillman, Esq.Motion Relief from Stay (Fee)No Opposition FiledHYUNDAI CAPITAL (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-20567 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
2610/14/2026 9:00 am24-20598 / EJOYakov Rudikh, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>CITIZENS BANK (McCABE, WEISBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am24-21206 / EJOMarc C. Capone, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceNeeds Resolution of Issues - ObjectionsMTN TO APPROVE REFI

Trustee OBJ
Email InquiryMatter ResolvedRequest
Adjournment
2810/14/2026 9:00 am24-21206 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsADJ Request ... Motion to Approve PP Financing is scheduled for 10/14. (dm)

ADJ to 9/23 for info on mortgage commitment (dm)

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
4210/14/2026 9:00 am25-11208 / EJORichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT; MP 10/14<> Recommend Denial

Per AR, okay to ADJ to 10/14/26 for confirmation that a completed package is in and Shellpoint to verify all documents have been submitted. Debtor basically current under the proposed MP. (dm)

Per Gavin Stewart email with attachment, Shellpoint advises that all required documentation was not received to complete Loan Mod evaluation as of 8/10/26. (dm)

Per AR, okay to ADJ to 9/2 - Atty needs to address feasibility (dm)

7/1/26 - Plan Denied - MP within 14 days to address Grassy Sprain Group (EMAIL CONFIRMS THAT WE ARE TREATING AS CONFIRMED)

Per AR - ADJ to 6/10 - MP within 14 days (wants to MP to push increased tier out to July when debtor expects increased income that didn't happen in February when confirmed tier increased)

ADJ to 4/8 for Atty to talk to debtor about increased Trustee tier payments (dm)

Motion to Extend Loss Mit granted - Loss Mit extended to 6/19/26 (dm)

Debtor obj<>TRUSTEE MOTION TO DISMISS - FAILED TO LOAN MOD
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-12555 / EJOJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> FAY SERVICING ( Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-12777 / EJORobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objections(AMT: DEADLINE FOR LM EXPIRED 10/1/26)<>

ARREARS<>Debtor obj, will pay (does not address LM)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-13194 / EJOKevin C. Fayette, Esq.Motion SellNo Opposition FiledPROPERTY #21
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-13439 / EJOJamal J. Romero, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsARREARS; FAILED TO ADDRESS NJ DIV PER PLAN CLM<>Debtor obj, filing MP
Email InquiryMatter ResolvedRequest
Adjournment
4010/14/2026 9:00 am25-13839 / EJOJohn Michael McDonnell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsADJ to 10/14 to see if he can make recap payment of $32,664.24 PTD, then $3,087 x 43 starting 10/1/26 (dm)

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-13927 / EJOAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)No Opposition FiledAMERICREDIT FINC (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-13995 / EJORobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, made pymts<>LOANDEPOT.COM (FRENKEL)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-14065 / EJODavid A. Semanchik, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedDebtor obj<>M&T BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-14129 / EJOJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-14694 / EJOCandyce I. Smith-Sklar, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsTrustee obj<> FEE APP
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-15259 / EJOMarc C. Capone, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsOST - Motion to Sell Real Estate/PROPERTY #53<> WSFS Cust for Tower response (Honig) OBJs to free & clear

Check for Cert of Service (dm)
Email InquiryMatter ResolvedRequest
Adjournment
4510/14/2026 9:00 am25-15971 / EJORoger J. Yehl, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAR CT TO DRAFT ORDER
otbs adding cert of d upon default

AR REMAING ISSUE ISSUE IS LATE RENT EMAILS FORWARDED TO CHAMBERS
ADJ by EJO to 9/23 - need status of summer pay to be used to address pp arrears (dm)

AR NOTE PARTIES RESPONDED TO CHAMBERS INQUIRY

Debtor obj; Creditor response<>CLINTON WOODS/LANDLORD
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-16477 / EJOCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will pay<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-16951 / EJOJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee Order***Trustee Order $25,455 PTD, $2,531 x 1 starting 10/1/26, then $2,691 x 45 starting 11/1/26, Debtor shall register for TFS auto-pay and provide proof of enrollment within 14 days***

Debtor obj, will pay<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
5910/14/2026 9:00 am25-18247 / EJODavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>FAILED TO COMPLY WITH CONF PROVISION TO FILE POC & MTNS RE BALA PARTNERS & MIDLAND FUNDING; FAILED TO ADDRESS TREATMENT FOR CENTRAL JERSEY FCU PPSD IN PLAN AS $10,365 SEC, BUT CRED FILED GUC CLMS #25 & #27 - AND CLM #26 FILED WITH $27,755.28 AS SECURED
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-18760 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $ 5,965 PTD(13); $ 695 X 37 beg 10/1/26; plan ext to 50 mo (email to atty)<>

ARREARS<>Debtor obj<>
Email InquiryMatter ResolvedRequest
Adjournment
5310/14/2026 9:00 am25-18760 / EJOLee M. Perlman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>RUSHMORE (Romano)
Email InquiryMatter ResolvedRequest
Adjournment
5410/14/2026 9:00 am25-19070 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsADJ to 10/14 - MP to be filed 7 days before for sale/cure. (dm)

AMT: LOSS MIT EXT 8/3/26<>

Debtor obj, filing for loss mit extension<>FAILED TO LM BY 12/31/25

Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-19187 / EJOWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
5710/14/2026 9:00 am25-19225 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objections$1,371 TFS scheduled for 10/18
$1,371 TFS scheduled for 9/18
BMW lease matured on 7/26/26

Debtor obj<>SV/BMW (Stewart Legal); ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-19716 / EJORobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsCAPITAL ONE AUTO FINC (STEWART)<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-19732 / EJOGeorge E. Veitengruber, III, Esq.Motion Requesting RedactionJudge to Reserve Decision
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-20474 / EJOJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-20707 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-20852 / EJOFrancis P. Cullari, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/PENNYMAC LOAN
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-20924 / EJOP. Lane O'Shea, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>SANTANDER CONSUMER (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-21149 / EJORobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-21353 / EJOE. Carlton Kromer, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> US BANK (logs)
Email InquiryMatter ResolvedRequest
Adjournment
6410/14/2026 9:00 am25-21543 / EJOGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAR ADJ TO 10-14 FOR TR RECAP PYMT OF 1960 TO POST IF PAID OK TR ORDER WITH AUTO DISMISSAL

AMT: PPSD RECAP - $ 3,975 PTD (11); $ 1,960 X 49 BEG 10/1/26 (ATTY AGREES, but this does not include any claims that may be added with mfr order)<>

ARREARS
AR NOTE NO OPPOSITION TO TR MOTION
Email InquiryMatter ResolvedRequest
Adjournment
6510/14/2026 9:00 am25-21543 / EJOGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedOrder Previously Submitted ... 6-month cure, (dm)

AR IF TR ORDER ENTER ON TR MOTION MARK OTBS
AR NOTE TOO MANY ARREARS TO CURE ON BOTH TR AND LENDER ARREARS
ADJ to 9/23 Peremptory

Debtor obj, made pymts<>HSBC BANK (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-21787 / EJOEric J. Clayman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/14<> Needs Resolution

Debtor obj<>PLAN WAS DENIED ON 4/22/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-21904 / EJOAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: MP 10/14<> Honor Roll

Debtor obj, filing MP to surr<>FAILED TO SELL BY 3/30/26; SV/DEUTSCHE
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-21972 / EJOThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>FAILED TO ADDRESS NJ DIV TAX EST POC #13-1

Taxes representing estimated claim filed and uploaded (dm)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-22191 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-22825 / EJOThomas G. Egner, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedDebtor obj<>NEWREZ/SHELLPOINT (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-22841 / EJOJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/14 TO SELL HOME<> Needs Resolution

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-22841 / EJOJoan Sirkis Warren, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> CARRINGTON ( hill wallack)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-23567 / EJOGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsFAILED TO ADDRESS MANALAPAN TWP PER PLAN CLAIM; ARREARS<> Debtor obj, filing mp
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-23763 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsFAILED TO LM BY 7/31/26<> Debtor obj, filing mp
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am25-23763 / EJOMarc C. Capone, Esq.Motion Requesting RedactionNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
7710/14/2026 9:00 am25-23763 / EJOMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, made pymt<> US BANK (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-10093 / EJOGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/14<> Recommend Dismissal

Debtor obj<>PLAN DENIED ON 7/22/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
7810/14/2026 9:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/14> Recommend Dismissal

Did Debtor receive the Trial Mod? Yes (dm)

Debtor qualifies for Trial Payment on a Partial Claim (dm)

Debtor obj<>PLAN WAS DENIED ON 5/20/26 AND FAILED TO FILE A MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-10178 / EJOErik Frins, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledMTN ALLOWING FOUR LATE-FILED POCS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-11062 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>FAILED TO ADDRESS NJ EST TAX CLM #25-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-11485 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsMidland Response (Justin Plean, Esq)

MTN EXPUNGE POC (9-2) Midland Credit Management

POC (9-3) filed 9/17/26 after pending motion was filed on 8/28/26.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-11485 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE POC (7-3) Jefferson Capital Systems
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-11485 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE POC (2-2) JP Morgan Chase Bank
Email InquiryMatter ResolvedRequest
Adjournment
7910/14/2026 9:00 am26-11498 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 10/14<> Needs Resolution

Debtor obj<>PLAN WAS WITHDRAWN ON /5/20/26 AND FAILED TO FILE MP
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-11522 / EJOCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsMTN TO FIX IRS CLM<>IRS obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-11674 / EJODaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsNEWREZ/SHELLPOINT (FRIEDMAN)<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-12329 / EJOAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsARREARS<>Debtor obj, atty has $4200
Email InquiryMatter ResolvedRequest
Adjournment
8310/14/2026 9:00 am26-12858 / EJOJennifer N. Weil, Esq.Motion Convert Chapter 13 to Chapter 7 (fee)Needs Resolution of Issues - ObjectionsAR spoke to both parties and explains his position with respect to the proposed settlement - ADJ to 10/14 Peremptory (dm)

AR SENT NOTE TO CHAMBERS
debtor obj<>ESTATE OF OWENS MTN TO CONV TO CH 7
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-13522 / EJOScott J. Goldstein, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>US BANK (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-14376 / EJOMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsROCKET MTG (STERN & EISENBERG)<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-14376 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP <> Recommend Denial

ARREARS<>Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-14447 / EJOCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
11/4/2026 9:00 am
MTN EXPUNGE CLM#3
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-14961 / EJOJeanie D. Wiesner, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsCreditor obj (Zeller & Wieliczko)<>MTN EXPUNGE CLM OF JOHN CALLAHAN AND MARIETTE CALLAHAN CLM#5
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15210 / EJODaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 9/2/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15218 / EJOJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15251 / EJOMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>ALLY CAPITAL (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15463 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnMTN EXPUNGE CLM#11
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15463 / EJOEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN ALLOWING LATE CLM/BOOKS-A-MILLION-AWBC
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15486 / EJODaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsPHH ASSET SERVICES (STERN & EISENBERG)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15580 / EJOAllen I. Gorski, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledMTN ALLOW LATE FILED CLM#10
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15739 / EJOGeorge E. Veitengruber, III, Esq.Motion SellNeeds Resolution of Issues - ObjectionsPROPERTY #2<>US Bank limited response (RAS); Lakeside at Medford obj (Orr); Creditor Griffel response (Hill Wallack)<>

Trustee OBJ
Email InquiryMatter ResolvedRequest
Adjournment
9410/14/2026 9:00 am26-15739 / EJOGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition FiledSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15761 / EJORobert Cameron Legg, Esq.Motion SellNo Opposition FiledPROPERTY #570
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-15844 / EJOJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN W/D ON 7/22/26 AND FILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-16100 / EJOJoseph Casello, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>FREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-16592 / EJOScott D. Sherman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>FREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-18811 / EJODaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN EXT STAY
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-19670 / EJORobert Cameron Legg, Esq.Motion Prospective ReliefOrder Previously SubmittedDebtor obj<>MEGENTA MGMT (GREENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-20014 / EJOYakov Rudikh, Esq.Motion Relief from Stay (Fee)WithdrawnBMO HARRIS BANK (WONG FLEMING)<> Debtor obj
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-20014 / EJOYakov Rudikh, Esq.Motion Relief from Stay (Fee)No Opposition FiledCROSSROADS EQUIPMENT LEASE AND FINC (WONG FLEMING)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-20745 / EJOFrancis P. Cullari, Esq.Motion Extend TimeNo Opposition FiledMTN TO EXTEND STAY
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-20935 / EJOYakov Rudikh, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsCert of Service Overnight Mail - Doc #17. (dm)

OST - Motion to Extend the Stay
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 9:00 am26-21236 / EJORobert Cameron Legg, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsOST - Motion to Extend the Stay
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am22-13264 / EJOPRO SEConfirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 42 of 54 required payments   Arrears: $5,746.00
ISSUES AS OF 9/30/2026 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $154,904 PTD, THEN $1,785 x 7 STARTING 10/1/26, BASE PLAN, CONDUIT PAYMENTS BY THE TRUSTEE TO WELLS FARGO ARE TERMINATED, TRUSTEE STANDARD ORDER OF DISTRIBUTION***


Confirmed Case: $2,341 Ptd, $1,450 x 2, $2,237 X 52, 100% Plan.
- case converted to Conduit in July 2023.
Prop. MP: Ptd, $1,785.56 x 9, Base Plan.
- removing Conduit.
PTD = $154,904, Arrears $0 as MP filed in July.
Last Claim (8-1) dated 7/1/24
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am22-15024 / EJOAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 50 of 52 required payments   Arrears: $0
AS OF 10/6/26 (SF)


RECOMMEND $72,767.74 THROUGH 8/2026; $1686 x 10 BEGIN 9/1/26 BASE PLAN


MP proposes $72,767.74 PTD; $1686 X 10 BASE PLAN
Plan has run 52 months with 8 months remaining
Surrenders vehicle
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am22-16292 / EJOJohn Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 36 of 50 required payments   Arrears: $1,196.00
10/15 workup EDC

**CONFIRM AT:
$42280 PAID to date
PHH and Onity outside of plan per
Email InquiryMatter ResolvedRequest
Adjournment
10810/14/2026 10:00 am25-11208 / EJORichard F. Fried, Esq.Confirmation Hearing on Modified PlanRecommend DenialDebtor has made 8 of 20 required payments   Arrears: $6,750.00
 Atty intends to file a MP without Loss Mit. RECOMMEND DENIAL OF MP SCHEDULED FOR 10/14/26. (dm)

9/4 AMT: INTERIM SCH ORDER TO CHAMBERS/7 DAY<>

Per AR, okay to ADJ to 10/14/26 for confirmation that a completed package is in and Shellpoint to verify all documents have been submitted. Debtor basically current under the proposed MP. (dm)

Per Gavin Stewart email with attachment, Shellpoint advises that all required documentation was not received to complete Loan Mod evaluation as of 8/10/26. (dm)

ISSUES AS OF 8/21/2026 (DM):

1) MP provides pay-in-full treatment to Ford Motor Credit and then only sets up payment for the $1,213.16 arrears. Case was already confirmed to pay $9,416 secured claim in full. If only paying the arrears, then creditor needs to be in the correct section of the Plan. (PLAN DENIED AND NOT CORRECTED IN THE MP)

2) MP amends the treatment of Grassy Sprain Group judgment claim based upon the 10/7/25 consent order. (OKAY TO TREAT PER THE 10/7/25 CONSENT ORDER)

3) New Rez/Shellpoint (Stewart Legal) OBJs to MP - wants a MP if Loan Mod is denied (dm)


Confirmed Case: $4,000 Ptd, $500 x 4, $1,250 x 12, $1,530 x 37, 100% Plan
- $59,326 threshold preserved
- Loan Mod by 11/17/25.
Prop. MP: $8,500 Ptd, $500 x 5, $1,250 x 20, $2,155 x 20, 100% Plan.
- Loan Mod by 6/19/26.
PTD = $9,000, Arrears $2,500 as MP filed in May.
Last Claim (12-1) dated 8/25/25
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am25-15011 / EJODaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 38 of 17 required payments   Arrears: $0
ISSUES AS OF 9/30/2026 (DM): updated 10/8/26

***Based upon the Motion to Sell on Short Notice, TRUSTEE CAN RECOMMEND CONFIRMATION WITH A LOW BASE PENDING SALE AT $18,927.99 PTD, THEN $500 x 44 STARTING 10/1/26, 100% PLAN WITH $82,535 EQUITY THRESHOLD PRESERVED, SALE OF REAL ESTATE BY 12/31/26, NO PAYMENT OR RESERVE BY THE TRUSTEE ON WELLS FARGO PRE-PETITION & POST-PETITION POC (3-1) AND POC (5-1) PENDING THE SALE, STRIKE PRIORITY PLAN TREATMENT TO THE IRS***

1) MP proposes $5,190.56 priority treatment to the IRS - no POC filed. (STRIKE??)


Confirmed Case: $12,017.99 PTD, $500 x 48, 100% Plan with $82k Min Div
- sale of real estate by 7/25/26.
Prop. MP: $500 x 60, 100% Plan.
- sale of real estate by 12/1/26.
PTD = $18,927.99, Arrears $0 as MP filed.
Last Claim (5-1) dated 3/18/26
Email InquiryMatter ResolvedRequest
Adjournment
8910/14/2026 10:00 am25-18618 / EJOAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 20 of 14 required payments   Arrears: $0
ISSUES AS OF 10/5/2026 (DM):

 8/26/26 - AR looking to stipulate the admission of the Appraisal and Certification from Mr. Caffery.

 NEED EVIDENTIARY HEARING

6/9/26 Recommendation:

***Using Trustee compromise at $475,000 appraisal, TO CONFIRM THE DEBTORS NEED $12,775 PTD, THEN $2,975 x 50 STARTING 7/1/26, BASE PLAN WITH $138,711 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS DUE TO REAL ESTATE EQUITY THRESHOLD, TRUSTEE IS AUTHORIZED TO PAY FOR $650 REAL ESTATE APPRAISAL AS AN ADMINISTRATIVE EXPENSE, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

 APPRAISAL in $500,000

 Certification - Doc #26 (dm)

1) Trustee OBJ:
- There is $160,461.84 non-exempt equity in the house.
- Need to provide statement for debtor pension (UNRESOLVED. ONLY RECEIVED INFO FOR CO-DEBTOR.)
- Amendments to Schedule Form 122c-1 has not been completed (UNRESOLVED.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) JP Morgan Chase Bank (McCalla Raymer) OBJs - arrears of $6,003.89 on real estate not treated in the plan (CONSENT ORDER ENTERED.)

B) Trustee OBJ:
- Need to amend the Bk Petition to correct the debtor's social security number and notify all credit agencies (SEE Doc #15 & Doc #16 filed 2/3/26.)
- Need July & Aug bank statements for acct #7496 and acct #5033 (RECEIVED.)


Prop. Plan $775 x 60, Base Plan
PTD 14/14 = $15,100
Last Claim (19-2)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am25-18716 / EJOPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 12 of 14 required payments   Arrears: $800.00
As of 10/7/26 (DS): Need to confirm at $4,800 paid, $433 x 10 begin 11/1/26, $1,274 x 36 begin 9/1/27; Base, plus N/E proceeds from Medical Malpractice/discrimination lawsuits to Trustee

1. The amount the plan is proposing to pay should be total $5,266.70 and is not what has been paid to date, which is $4,800.

MP Prop $366.67 x 12; $433.33 x 12; $1,243 x 36; Base
- Adds post-petition arrears.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am25-21787 / EJOEric J. Clayman, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 11 required payments   Arrears: $9,917.00
ISSUES AS OF 10/1/2026 (DM):

***Updated POI doesn't support payment reduction***

INCOME CALCULATION
- Edward Life Sciences $87,992.82 YTD Net/8 months equals $10,999.10
- NJIT $1,985 Net x 22 pay period per year/12 months equals $3,639.16
OR NJIT $28,252.89 YTD Net/8 months equals $3,531.61
- 2025 tax refund $10,831/12 equals $902.58
- Amended Schedule J expenses $9,672.84
DISPOSABLE INCOME $5,760.45 using lower NJIT number

 Debtor Cert - Doc #68

1) Trustee OBJ:
- The updated proof of income does not support a reduction in the monthly Trustee payment.
- Need updated POI. (RECEIVED)
- Need 2025 tax return. (RECEIVED)


Confirmed Case: $13,706 PTD, $4,706 x 56, Base Plan
Prop. MP: $32,926 PTD, $3,805 x 51, Base Plan.
- surrender BMW
PTD = $25,316, Arrears $1,607 as MP filed in May.
Last Claim (8-2) dated 10/1/26
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am25-21904 / EJOAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 12 of 11 required payments   Arrears: $0
ISSUES AS OF 10/1/2026 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,638 PTD, THEN $243 x 26 STARTING 10/1/26, 100% PLAN***


Confirmed Case: $155 x 36, Base Plan
- sale of real estate by 3/30/36.
Prop. MP: $1,395 PTD, $243 x 27, 100% Plan.
- surrender real estate.
PTD = $1,638, Arrears $0 as MP filed in August.
Last Claim (8-2) dated 2/9/26
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am25-22308 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 6 of 11 required payments   Arrears: $4,098.00
AS OF 10/6/2026 (at)

1. Need updated proof of income to justify lowering trustee payment.

2. Need amended I and J.

3. Sale of residence by 9/2028 is too long.

MP proposes: $500 x 60, sale of residence by 9/2028, $44,193 to unsecured creditors
Arrears: $4,098
(debtor cannot afford the trustee payment necessary to pay the unsecured creditors. Debtor will sell home once child graduates from school. Toyota leas that was totaled in car accident is being surrendered.)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am25-22841 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 5 of 10 required payments   Arrears: $30,260.00
AS OF 10/6/2026 (at):

THERE IS INSUFFICIENT EQUITY IN THE RESIDENCE TO PAY 100%. NEED LISTING AGREEMENT.

1. Need updated income to justify lowering trustee payment.

2. Need amended I and J.

MP proposes: $30,700 paid to date, $1,322 x 50, sale of residence by 3/1/2027, 100% plan
Arrears: $30,260
(house is being sold so plan is being changed to a sell plan)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-10093 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 7 of 9 required payments   Arrears: $3,228.00
ISSUES AS OF 10/5/2026 (DM): updated 10/8/26

***Case is 9 months old and NJ taxes are still estimated - RECOMMEND DISMISSAL***

1) IRS filed $20,239.18 amended priority claim that includes estimated taxes for 2024 - 2025 not treated in the plan (AMENDED TO $4,026.02 - OKAY TO PAY??)

2) IRS filed $31,362.42 amended secured claim not treated in the plan (OKAY TO PAY??)

3) State of NJ filed $15,288.25 amended priority claim that includes estimated taxes for 2022 - 2023 not treated in the plan (UNRESOLVED)

4) State of NJ filed a general unsecured claim that includes estimated taxes for 2019 - 2021 (UNRESOLVED)

5) Deutsche Bank (RASC) OBJs (UNRESOLVED?? MP PAYS ARREARS)
- secured creditor holds a security interest in Bonnie Burn Rd.
- Debtor appears to disclose his residence as Bumble Bee Lane.
- POC reflects $196,615.16 arrears on Bonnie Burn Rd.

6) The mortgage statement address is Bumble Bee Lane, the property address on the statement is Bonnie Burn Rd. Need confirmation that there are not two properties owned by the Debtor. If there are two properties, then we need Deed, CMA, homeowner's insurance, mortgage information, and amended schedules to add the property. (/s/ CERTIFICATION UPLOADED - ONE ADDRESS WITH A LEGAL NAME AND A COMMON NAME)

***RESOLVED ISSUES***

A) IRS filed a general unsecured claim that includes estimated taxes for 2020 - 2021 (AMENDED)

B) Trustee OBJ:
- Need a copy of 2025 tax return. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $3,032 x 7, $3,527 x 53, Base Plan
PTD 8/9 = $25,050
Last Claim (2-3)
Email InquiryMatter ResolvedRequest
Adjournment
11010/14/2026 10:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 11 of 9 required payments   Arrears: $3,753.00
ISSUES AS OF 10/6/2026 (DM): waiting for updated response from Kim re TTP. However, debtors' last Trustee payment was made in August - RECOMMEND DISMISSAL.

Kim thinks last TPP is Sept. (dm)

 Bonus check uploaded 9/21/26. Disposable income and proposed terms below are now MOOT because debtor was laid off on 8/17/26. Atty advises that last Trial Payment is due 10/1/26.

***Never received the Bonus Check and debtors have sufficient disposable income to pay 100% to creditors that filed claims before the expiration of the Bar Dates. IF TRIAL MOD WAS NOT SUCCESSFUL AND THIS IS A CURE PLAN, THEN TO CONFIRM THE DEBTORS NEED $17,000 PTD, THEN $5,992 x 53 STARTING 9/1/26, 100% PLAN, TRUSTEE SHALL PAY STATE OF NJ $16,323.91 SECURED POC (22-2) AND MT. HOLLY MUA $442.32 SECURED POC (24-1), STUDENT LOAN POC (5-1) AND POC (7-1) SHALL BE TREATED OUTSIDE THE PLAN***

 Disposable income is still significantly higher than scheduled - need a copy of the Bonus check so I can try and prorate the amount over a 12-month period. Without it, the most recent pay stub from May is showing $82,948.07 YTD Net or $16,589 per month average. (ISSUE MAY BE MOOT - DEBTOR LAID OFF ON 8/17/26)

1) State of NJ filed $16,323.91 amended secured claim not treated in the plan. (OKAY TO PAY??)

2) Mt. Holly MUA filed $442.32 secured claim not treated in the plan - in the MP as a priority. (OKAY TO PAY??)

3) Trustee OBJ:
- Disposable income verifies at $8,791 per month - debtor failed to prorate bonus income. Case is above median - once all claims are resolved, I will review and determine what the disposable income is on Line #45. (DEBTOR WAS RECENTLY LAID OFF)
- Excessive Expense Sch J: $620 Medical/dental and $987 Car payment (AMENDED SCH J CHANGED MEDICAL EXPENSE TO $400.)

***RESOLVED ISSUES***

A) IRS filed $59,399.91 priority claim that includes estimated taxes for 2025 (AMENDED TO $82,628.63.)

 MFR filed by Freedom Mortgage (BROCK) pending. (CO SUBMITTED - $29k ARREARS TO BE CAPITALIZED INTO LOAN
Email InquiryMatter ResolvedRequest
Adjournment
12510/14/2026 10:00 am26-10178 / EJOErik Frins, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 9 of 9 required payments   Arrears: $0
ISSUES AS OF 10/2/2026 (DM):

***If Motion to Allow Late DSO Claims is granted, THEN TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,800 x 60 STARTING 2/1/26, BASE PLAN, NO PAYMENT OR RESERVE BY TRUSTEE ON CARRINGTON MORTGAGE POC (24-1) BASED UPON 9/24/26 LOAN MOD ORDER ENTERED***

 9/9/26 - Hill Wallack filed Motion to Approve Loan Mod (dm)

1) Only 1 of the 5 DSO recipients personally filed a POC - Somerset County Probation Department has yet to file a POC on behalf of the other 4 DSO recipients. (ATTY FILED THE OTHER 4 POCs AND A MOTION TO ALLOW LATE CLAIMS SCHEDULED FOR 10/14/26)

***RESOLVED ISSUES***

 ADJ 7/22 - Amended schedules & Matrix adding Probation Department within 14 days (FILED)

A) First Atlantic FCU (Saldutti) OBJs - creditor objects to the plan to the extent that the debtor has severely undervalued the 2017 Nissan Rogue (CO ENTERED - $14,418.30 GROSS TO BE PAID.)

B) Carrington Mtg (HLADIK) OBJs - $28,762.93 arrears on real estate (CO SUBMITTED TO CHAMBERS TO PAY.)

C) Need proof of service on Foundation Finance for secured windows (CERT OF SERVICE FILED - CREDITOR SERVED 3/11/26.)

D) Mariner Finance filed a bifurcated claim on a 2011 GMC Yukon that needs to be addressed (RESOLVED - SURRENDERING.)

E) Trustee OBJ:
- Need DSO form for all obligations (RECEIVED.)


Prop. Plan $2,800 x 60, Base Plan
PTD 9/9 = $25,900
Last Claim (34-1)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-11131 / EJOJoseph Albanese, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 9 required payments   Arrears: $112.00
ISSUES AS OF 10/2/2026 (DM):

 Debtor no longer consolidating with case #26-11134.
 7/17/26 (DS): Atty requested ADJ going away on vacay.

1) PennyMac Loan filed arrears POC (8-1) for $1,065.66 on Debtor's case and also on GF case #26-11134 for the same amount. Who is to pay this claim? Plan is not proposing to pay arrears and case #26-11134 also is not paying arrears. (UNRESOLVED)

2) PNC Bank filed unsecured POC (6-1) for $25,681.82 in this case and in GF's case. If paying claim in full on both cases because of disposable income, then we will need to know who is paying this claim.

3) Attorney Fee balance due in the Disclosure Statement and the Plan do not agree. One of the documents must be amended. (UNRESOLVED)

4) Trustee OBJ:
- There is $21,670 non-exempt equity in the residence.
- Need 2025 tax returns. (RECEIVED)

- There is disposable income of $6,577 per Sch I&J. Total unsecured claims filed $65,786.80. (CASE NO LONGER CONSOLIDATED WITH GF - AMENDED SCH J FILED - STILL NEED TO ADDRESS $200 HVAC REPAIRS, $200 ROOF REPAIRS, $154 MISC.)

- Case is above median with $726.27 disposable income per Form 22C. (CASE NO LONGER CONSOLIDATED WITH GF - NEED AMENDED FORM 22C FOR HOUSEHOLD OF 1 BASED UPON 2025 TAX RETURNS)

******

- Excessive Expenses Sch J: Avg EZ pass $85 and transportation $801 (total $886); Maintenance: Pro-rated pool care $21, Home maintenance $60, HVAC repairs $200 and Roof repairs $200 (total maintenance $481); Auto insurance $610.31 per monthly invoice shows its $563 and 1/2 with girlfriend would be $281.91; Storage Shed rental on property $524; Misc. Pro-rated tax preparation $3 and Emergencies/Birthdays/Holidays $321 (total $324). DISPOSABLE INCOME WOULD BE $1,826.

- Case is above Median and the expenses are the same on Form 22C. These expenses are already taken on Line #8 ... $765 for Home/Misc., and medical expense taken on Line #7G. Form 22C takes Household of 3 ... should include income in full for GF ... not sure if $5,298 is full inc
Email InquiryMatter ResolvedRequest
Adjournment
12110/14/2026 10:00 am26-11217 / EJODaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 8 required payments   Arrears: $500.00
ISSUES AS OF 10/6/2026 (DM):

 9/11/26: INTERIM SCH ORDER ENTERED

 As of 8/19/26 Charles Wohlrab advises no documentation of the debtor having submitted a Loss Mit package. Plan is not remotely feasible without a Loan Mod and taxes are still estimated. Based upon the filing history of the debtors, this case should be dismissed with a 180-day Bar.

1) IRS filed an amended general unsecured POC (6-4) that includes estimated taxes for 2020. (UNRESOLVED)

2) MP proposes the bulk of the treatment to the IRS and State of NJ as priority claims - both creditors filed the bulk of their claims as secured. (PAY PER POC ONCE ESTIMATED TAXES ARE REMOVED??)

 MFR file by Carrington scheduled for 7/22/26. (CO ENTERED 6-MONTH CURE)

3) Carrington (Friedman) OBJs - $146,069.49 arrears on real estate. The debtors' Plan is underfunded. (UNRESOLVED)

 Note - Carrington (Friedman) OBJ to Loss Mit - Debtors entered into 2 Loan Mods 11/1/14 and 7/1/17. In addition to the 2 Loan Mods, Debtors participated in Court Loss Mit during prior bankruptcy 22-11550 granted 5/12/22 but did not obtain a Loan Mod and case was dismissed for failure to make payments. Then another bankruptcy was filed 24-17792 which debtors request to participate in Loss Mit and was granted 10/1/25, but they did not submit Loss Mit App and creditor obtained relief and case was dismissed.

4) Trustee OBJ:
- Dismissal of this case should trigger a 180 bar to re-filing. This is the 3rd filing in 5 years for the debtors.
- Debtor has insufficient income.
- Need 2024 and 2025 Tax returns. (UNRESOLVED)

***RESOLVED ISSUES***

A) IRS filed $19,100.97 amended priority POC (6-3) that includes estimated taxes for 2023. (AMENDED TO $14,314.01)

B) State of NJ filed $5,713.09 amended priority POC (2-2) that includes estimated taxes for 2024 & 2025. (AMENDED)

C) Trustee OBJ:
- Atty Fees in the Plan $4,650 and Atty Disclosure $3,910 do not agree. Per SOFA fee balance should be $3,910. Must file MP to correct attorney fees. (MP CO
Email InquiryMatter ResolvedRequest
Adjournment
12310/14/2026 10:00 am26-11485 / EJOEdward Hanratty, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 8 required payments   Arrears: $0
ISSUES AS OF 10/6/2026 (DM):

***Atty asked for my income calculation on 8/26/26. I provided the calculation to him on 8/26/26. Atty has never addressed disposable income and excessive expense objections - RECOMMED DISMISSAL***

 Note - POC (7-3) filed after Order reducing POC (7-2) to $0. Per the creditor, the objection indicated that no documentation was provided and the Order provided for 7 days to amend the POC, so they amended with documentation. This needs to be addressed. (PENDING MOTION TO EXPUNGE POC 7-3)

 Note - Midland also amended its POC to (9-3) after Atty filed Motion to expunge POC (9-2).

1) Trustee OBJ:
- Form 22C and Sch I/J show there is disposable income. (INCOME CALCULATION EMAILED TO ATTY ON 8/26/26 - dm)

- Income verifies at $13,352 - not deducting the excessive expenses disposable income verifies at $4,897. (HIGHER WHEN TAX REFUND ADDED TO INCOME)

- Sch J Excessive Expenses: Child's Education cost $1,169.58, Dance school $560, Dance costumes $100, Tumbling school $200.83, swimming school for son $110.95, Prorated
IRS expected amount $214.75 and Prorated State taxes $61.42. Expenses for children are recreational purposes. Plan does not propose to pay 100% to unsecured creditors. Must
provide proof that taxes are being paid. (UNRESOLVED)

- Form 22C Excessive Expenses: Line #20 Education marks off as a condition for job or for your physically/mentally challenged dependent if no public education available $1,169.58, Line #23 Optional Tele services $374 (allowed $225), and Line #45 shows disposable income $431.94 and will have $1,750.52.

- There is $82,593 non-exempt equity in the residence (pending all claims filed), 2015 Toyota $275, Santander checking acct $818 and remainder 3 savings accts $8. (CLAIMS FILED, NON-EXEMPT EQUITY IN RESIDENCE IS $65,464)

- Need to file Pre-Confirmation Certification. (UNRESOLVED)

***RESOLVED ISSUES***

A) IRS filed an estimated claim which needs to be amended. (AMENDED)

B) NJ Division of Taxation filed
Email InquiryMatter ResolvedRequest
Adjournment
12410/14/2026 10:00 am26-11498 / EJOJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 8 required payments   Arrears: $1,400.00
ADJ to 10/14 Peremptory
ISSUES AS OF 10/14/2026 (DM):

1) Patrick Napolitano (DANIEL STRAFFI) OBJs that Bk was filed to avoid entry of judgment. POC filed unsecured for $281,550.62. All disposable income not devoted to the Plan. Plan not proposed in good faith. (CO SUBMITTED)

2) One Main filed a bifurcated claim on a 2016 Nissan Rogue, no arrears, secured $10,600 and unsecured $850.10. (MP SURRENDERS IN FULL SATISFACTION)

3) Trustee Supp OBJ:
- There is approximately $77,950 equity in the residence - no exemption taken on Schedule C. (ADJUSTED TO $46,376 BASED UPON AMENDED SCH C FILED 8/18/26)

4) Trustee OBJ:
- Need 2025 tax returns. (UNRESOLVED)
- Disposable income verifies $2,548. (NOT DEVOTING DISPOSABLE INCOME TO PLAN AFTER AMENDING PLAN TO A BASE)
- There is $77,951 non-exempt equity in the residence. (ADJUSTED TO $46,376 BASED UPON AMENDED SCH C FILED 8/18/26)
- Atty must file a Fee App within 7 days.


Prop. Plan $1,400 x 51, Base Plan
PTD 7/8 = $9,800
Last Claim (3-2)
Email InquiryMatter ResolvedRequest
Adjournment
12610/14/2026 10:00 am26-11733 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 8 required payments   Arrears: $350.00
AS OF 8/20/26 (SF)

Per AR - ADJ to 10/14
Is objection resolved?

1. Objection filed The Bank of New York -(RAS) failure to pay arrears; speculative loan mod; proposed loan mod period is more than 90 days from date of filing; serial filer. (LOAN WAS SERVICE TRANSFERRED AND RAS DOES NOT CURRENTLY HAVE THE FILE GOING FORWARD)

2. Lacey MUA filed secured claim 5-1 in the amount of $917.07 which is not addressed in plan (OK TO PAY? Yes)



Plan proposes $350 x 36 100% Plan; Loan Mod by 8/1/26
Payments: 5/6 Arrears: $350

RESOLVED:
- A copy of the last filed tax return - for 2025 (RECEIVED)
- The debtor has insufficient income.


Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-11904 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 8 required payments   Arrears: $1,600.00
ISSUES AS OF 10/6/2026 (DM):

1) Itria Ventures (Seidman & Pincus) OBJs - plan does not propose to pay creditor's perfected lien. (UNRESOLVED)

2) Debtor has failed to properly serve Forward Financing with plan motions (UNRESOLVED)

3) Trustee OBJ:
- There is $61,500 non-exempt equity in house.
- Need a copy of 2025 tax return (UNRESOLVED)
- Need to amended Sch A/B, Q#38 (accounts receivable for Suburban Chiropractic Center) upon update received from debtor's accountant. (UNRESOLVED)

- Excess Expenses Sch J: $511 home maintenance; $650 telephone, cell phone, internet; $1,900 food family of 4; auto insurance $995 for 2 luxury cars; spouse debt service. Documentation in support of expenses must be provided to Trustee within 10 days of confirmation hearing. (RECEIVED - HOME MAINTENANCE = $230.50, SPOUSE CREDIT CARD = $613, CABLE/INTERNET/CELL = $696 AND CAR INS IS $997 - REDUCED EXPENSES BY $719.50 - issue may be moot - dm)

- Bank acct #1903 balance as of 1/30/2026 is $4,155.62 - need to amend schedules A/B and C to correct. (UNRESOLVED)
- Bank acct #9855 balance as of 1/20/2026 is $5,234.04 - need to amend schedules A/B and C to correct. (UNRESOLVED)

***RESOLVED ISSUES***

A) Nexus Nova (Robert Fay) OBJs - failure to cure $2,151.90 mortgage arrears on real estate (CO ENTERED)

B) Trustee OBJ:
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor has made payments to creditors that may be recoverable as preferences or fraudulent transfers. The Trustee reserves the right to amend its objection upon further investigation. (DM & AR REVIEWED SOFA, Q#6 - NO CURRENT ACTION BEING TAKEN)


Prop. Plan $1,600 x 60, Base Plan
PTD 7/8 = $11,200
Last Claim (21-1)
Email InquiryMatter ResolvedRequest
Adjournment
11410/14/2026 10:00 am26-12045 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 8 required payments   Arrears: $5,600.00
ISSUES AS OF 10/5/2026 (DM): no payment scheduled on TFS - RECOMMEND DISMISSAL

 ADJ to 10/14 to make payment per terms below or dismiss with 1 year bar per AR.

 No payment scheduled on TFS for September. (dm)

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $9,600 PTD, THEN $5,774 x 54 STARTING 9/1/26, 100% PLAN WITH $18,665 EQUITY THRESHOLD PRESERVED, DEBTOR SHALL OBTAIN A CONSENT ORDER WITH THE STATE OF NJ WITHIN 60 DAYS TO RESOLVE THE 2017 ESTIMATED GENERAL UNSECURED CLAIM, TRUSTEE SHALL PAY SANTANDER $20,006.95 ARREARS POC (16-1) WITH THE REMAINDER OF THE BIFURCATED CLAIM TREATED AS SECURED UNAFFECTED OUTSIDE THE PLAN***

 ADJ to 9/23 to confirm or dismiss per AR

1) State of NJ filed an amended general unsecured claim that includes estimated taxes for 2017 (UNRESOLVED.)

 Note - debtor has $3,223 4-month cure for Chevy Silverado MFR consent order. (dm)

2) Santander filed a bifurcated claim on 2023 Chevy Silverado consisting of $32,100 secured, $9,122.52 unsecured, and $20,006.95 in arrears (PAY ARREARS AND TREAT BIFURCATED CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN??)

***RESOLVED ISSUES***

A) IRS filed $133,331.42 priority claim that includes estimated taxes for 2025. (AMENDED)

B) State of NJ filed $30,122.61 amended priority claim that includes estimated taxes for 2025 (AMENDED.)

C) NJHMFA (PLUESE) OBJs - $76,177.88 arrears on real estate (OTBS TO PAY PER POC.)

D) The attorney's fees in the plan ($2,758) and the disclosure statement ($2,958) do not agree. One of these must be amended. (AMENDED ATTY DISCLOSURE FILED)

E) Trustee OBJ:
- Need proof of income for wife's part time job (RECEIVED.)
- Need amended Sch I for wife's part-time job. (AMENDED)
- There is $73,238 non-exempt equity in house. (ADJUSTED TO $0 BASED UPON FILED PRIORITY CLAIMS)
- There is $73,325 non-exempt equity in figurines and autographs. (ADJUSTED TO $100 BASED UPON FILED PRIORITY CLAIMS)
- There is $3,200 non-exempt equity in bank accounts - debtor states atty holding the $3,200 a
Email InquiryMatter ResolvedRequest
Adjournment
14110/14/2026 10:00 am26-12786 / EJODavid A. Semanchik, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0
ISSUES AS OF 10/6/2026 (DM):

***Once New Century POC is amended to a secured claim by debtor's attorney, THEN TO CONFIRM THE DEBTOR NEEDS $2,118 PTD, THEN $920 x 54 STARTING 10/1/26, 100% PLAN WITH $11,999 MINIMUM DIVIDEND EQUITY THRESHOLD PRESERVED, TRUSTEE IS AUTHORIZED TO PAY ROCKET MORTGAGE $1,375.30 ARREARS POC 1-1***

 6/29/26 (DS): Debtor Atty requested ADJ to allow time to work out resolution for Rocket Mtg POC claiming arrears.

1) Rocket Mtg filed $1,375.30 arrears claim on the residence. (OKAY TO PAY?? - Yes)

2) Midland Funding, New Century, Worldwide, and Asset Acceptance did NOT file secured claims. Recommend striking Part 4g and not paying since Bar Date has expired. (AMENDED SCH D FILED ADDING CREDITORS AND ATTY FILED POCs ON BEHALF OF THE CREDITORS. BUT NEW CENTURY FILED AS A GUC)

3) Trustee OBJ:
- Need a copy of 2025 tax return. (RECEIVED)
- Need a copy of the settlement statement from the sale of real estate sold prior to the purchase of the Anchor Ave property (RECEIVED), the settlement statement from the purchase of Anchor Ave property (RECEIVED)
- There is $36,989 non-exempt equity in the residence (ADJUSTED TO $2,707 BASED UPON 50% OWNERSHIP) and $9,292 in Jenius Bank acct for a total of $46,281. (TOTAL ADJUSTED TO $11,999)

- Need a copy of the recorded Deed for the residence. (RECEIVED)
- Need Certification regarding the transfers made from various accounts. (RECEIVED)


Prop. Plan $353 x 60, Base Plan
PTD 6/7 = $2,118
Last Claim (9-1)
Email InquiryMatter ResolvedRequest
Adjournment
13610/14/2026 10:00 am26-12858 / EJOJennifer N. Weil, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $1.00
ISSUES AS OF 10/5/2026 (DM):

AR spoke to both parties and explained his position with respect to the proposed settlement - emails back and forth with parties on 9/29/26 trying to conference the case.

ADJ to 10/14 Peremptory (dm)

***Need resolution of creditor's Motion to Convert***

1) Owens Estate (GLENN REISER, ESQ) OBJs - debt not dischargeable, claim filed as unsecured. (UNRESOLVED)

 AR will look at transaction regarding fraudulent transfer - Doc #13, Doc #16, Doc #17 & Doc #26.

2) Amended Sch B now adds to additional bank accts not previously listed. Must provide 2 months bank statements from Santander acct#114 and acct#011 prior to filing. (RECEIVED)

3) Trustee OBJ:
- Debtor's 401(k) loan payment $329 ends in month 20.
- Excessive Expenses on Sched J: water/sewer $300 - verifies $88, cable/internet/tele $588 -verifies $393 (Cell phone bill $278 does not show what it is paying, just provides total due payment part).
- Disposable income verifies at $2,690.
- Form 22C has disposable income $4,212, which requires $252,720 Min Div to GUCs. (AMENDED FORM 122C - DOC #23 - REQUIRES $157,627.20 MIN DIV TO GUCs).
- Add to confirming order Trustee standard order of distribution.

Note: 2025 Tax return provided. Cert from Debtor (Doc #16) with regards to property transfer ok. Car payment $699.17 and Food $938 ok.


Prop. Plan $2,094.12 x 60, Base Plan
PTD 6/7 = $12,564
Last Claim (6-3)
Email InquiryMatter ResolvedRequest
Adjournment
13710/14/2026 10:00 am26-13119 / EJOJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 7 required payments   Arrears: $3,100.00
ISSUES AS OF 10/5/2026 (DM): updated 10/8/26

1) Santander (Bill Craig) OBJs - creditor wants arrears paid in the first 6 months BUT does not identify the leased vehicle - assume it is for 2023 Jeep Cherokee. (UNRESOLVED)

 Mercedes Benz Vehicle Trust obtained stay relief on 2024 Mercedes Benz GT53 lease. (MP REJECTS LEASE WITH On Path CU)

2) Trustee OBJ:
- There is non-exempt equity in withdrawal from Robinhood stock of $2,187 in January of 2026. Also need explanation for Page 17 of 19 that shows $66,278.32 debit and $64,091.13 credit which appears to be a lot of transactions for just one month of January. (NOT RECEIVED)

- Excessive Expenses per Sch J: $2,196 auto payment, $400 cell phone. (TRUSTEE TO REDUCE EXPENSES BY $2,196 BASED UPON REJECTION OF 2024 MERCEDES BENZ AMG GT LEASE)

- Current disposable income per Sch I&J verifies higher at 6,350 using January and February 2026 pay stubs. Need March and April 2026 pay stubs to determine if this
income is consistent. (RECEIVED UPDATED THRU MID-MAY & DISABILITY FROM MID-MAY THRU BEGINNING OF AUG. DISPOSABLE ADJUSTED TO $3,094 USING YTD NUMBER FROM MAY PAY STUB. Is debtor back to work?)

- The 2025 Tax return also shows $45,000 additional income for business United Logistics Services, but it's not included on Sch I. (UNRESOLVED)
- Need Business P&L statements for United Logistics. (UNRESOLVED)

- Excessive expenses per Form 122C: Line #12 for $802 should be $604 for Northeast Region operating costs; Line #21 for $350 childcare. There are no dependents listed; Line #23 for $150 optional telephone - need proof; Line #30 for $30 additional food; Line #41 for $826 retirement deduction - need copy of 401k loan statement to determine balance (Form 122C will need to be reviewed after receipt of proofs and claims filed). Need proof of excessive expenses within ten days.

- Need copy of bank statement for acct ending in #2959 for 3/1/26 thru 3/23/26. (UNRESOLVED)
- Need copy of 401k loan statement. (RECEIVED - ADD BACK $4
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-13255 / EJOJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 5 of 7 required payments   Arrears: $1,895.00
10/5 -nothing received
2 payments arrears

ADJ to 10/14 - transfer was actually from the Estate to the Debtor and other family members, so it may not be a fraudulent transfer. Need Certification regarding the transfer per AR.

As of 8/28/26 (DS): 1. Per email from AT to Debtor atty, Debtor called the office to inform that she works as school bus driver and is waiting on her unemployment checks, which she receives during the summer and will begin working next week. DEBTOR ATTY MUST PROVIDE PROOF OF UNEMPLOYMENT FOR THE SUMMER MONTHS AS PAY STUBS DO NOT SHOW DEBTOR IS A SCHOOL BUS DRIVER, BUT A BUS DRIVER WHO GETS PAID WEEKLY.

2. ISSUES NOT RESOLVED:
- Need documentation (Will) showing that real estate (Conway Ave) from the Estate of Clarence Reid was properly transferred to Diane Payton (MOM), Alicia Payton-Johnson, and Kyeria Johnson (SISTER). (UNRESOLVED) DEED PROVIDED SHOWS DEED SIGNED 12/1/25, BUT FILED/RECORDED 2/16/26.
- MOD PLAN NOW CRAMS SANTANDER-2011 CAR, BIT FAILS TO MARK PART 8D POST-PET CLAIMS.
- ALSO NEEDS SERVICE TO SANTANDER.
- Must file amended Sched D and Creditor Matrix to add PNC Mortgage. (PNC MORTGAGE STATEMENT IS IN THE NAME OF THE ESTATE OF CLARENCE REID BUT STILL HAS NO NOTICE OF THE WITHIN BK - dm).
- Must file Pre-confirmation certification.

MP JUST FILED AND SCHEDULED FOR 9/2/26

7/19/26 - Amended I&J, SOFA, Sch D, and Sch E/F filed.

As of 7/17/26 (DS): 1. Debtor in arrears $1,996, made 2 out of 4 payments.

2A. Trustee Supp OBJ (dm):
- Need documentation (Will) showing that real estate (Conway Ave) from the Estate of Clarence Reid was properly transferred to Diane Payton (MOM), Alicia Payton-Johnson, and Kyeria Johnson (SISTER). (UNRESOLVED) DEED PROVIDED SHOWS DEED SIGNED 12/1/25, BUT FILED/RECORDED 2/16/26.

2B. Trustee obj to the following:
- Mtg statement provided payment verifies $484, sched J amended and changed. Homeowner insurance verifies $392, sched J has $470.
- There is non-exempt equity in the residence $1,394.
- MOD PLAN
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-13875 / EJOAndrew M. Carroll, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 6 required payments   Arrears: $2,100.00
ISSUES AS OF 10/5/2026 (DM):

***Debtor's counsel approved the proposed Conduit on 9/22/26 which provided for a $2,000 payment starting 10/1/26. To confirm the case with Conduit would require a payment of $2,175 starting 10/1/26. LAST PAYMENT WAS MADE IN JULY. WITHOUT PROOF OF EITHER PAYMENT MADE, RECOMMEND DISMISSAL***

 Conduit Order per 9/2/26 Hearing Date. (dm)

1) Loan Depot (Frenkel Lambert) OBJs - $20,391.21 arrears on real estate. (CONDUIT ORDER READY)

2) Trustee OBJ:
- There may be non-exempt equity in the debtor's residence.
- Need statements (Feb & March) from Bank of America checking and savings acct and TD Bank acct
- Need amendments to Sch A/B and C to add Bank of America acct savings acct#3284.
- Tax refund in the amount of $1,655 was not prorated and included in disposable income.
- Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution.
- Need to file Pre-Confirmation Certification. (FILED)
- Need homeowner's insurance renewal declaration. (RECEIVED - RENEWAL EFFECTIVE THROUGH 1/15/27)


Prop. Plan $350 x 4, $550 x 56, Base Plan
PTD 2/6 = $700
Last Claim (8-1)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-13885 / EJOJoseph Albanese, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $192.00
10/5 workup EDC

1) Lakeview Loan Servicing, LLC (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor filed claim of $6,468.51 to be paid through plan

2) Trustee objection to confirmation:
- - There is $8,403 non-exempt equity in the residence.
- There is $3,558 non-exempt equity in personal property.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).
- The attorney's fees in the plan ($3,750) and the disclosure statement ($3,250) do not agree. One of these must be amended.
- Add to confirming order any non-exempt proceeds from claim again the mortgage company.

proposed plan $362x60 base plan
paid in $360
arrears $364
last claim 6-1

----------
RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document(s): Need a statement for the whole life insurance policy.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $938/month for food for two; $50/month for alcohol
Need proof of expenses 10 days prior to confirmation. OK EDC
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- Need statements for the debtor's (2) 401k loans, provided statement of 401k loan balance as of 5/27/2026 - outstanding balance $8,955.59 RESOLVED, PROVIDED STATEMENT
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-14013 / EJOAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 6 required payments   Arrears: $1,768.00
As of 10/8/26 (DS): 1. BELOW ISSUES STILL NOT RESOLVED.

8/12/26 (DS): 1. Trustee obj to the following:
- Must resolve the estimated tax claim of State of NJ (2023 and 2025 not filed).
- Must file Pre-confirmation certification.
- There is non-exempt equity in the residence $149,508 and in bank acct $3,063 total $152,571. Plan propose 100%.

Prop Plan $937 x 5 begin 5/1/26; $1,768 x 55 begin 10/1/26; 100%
Note: Mod plan treats Capital One arrears, remainder claim to be treated outside. C/O entered with PHH Mtg to pay arrears, mod plan propose to pay arrears as well. Disposable income verifies $1,029, 22C has disposable income. Plan propose 100%.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-14156 / EJOSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 6 required payments   Arrears: $8,448.00
Rescheduled by the Court to a regular confirmation date 10/14/26 at 10 AM (dm)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-14319 / EJORussell L. Low, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $938.00
ISSUES AS OF 10/5/2026 (DM):

1) Servbank (STEWART LEGAL) OBJs - $15,621 arrears on real estate. MP proposes Loan Mod. (NO OBJ TO MP AND EMAIL FROM GS CONFIRMS THAT HE IS OKAY WITH MP)

2) Cambridge Crossing HOA (ANSELL GRIMM) OBJs - the debt owed to the HOA is not reflected properly in the Pan. (MP PROPOSES TO PAY A HIGHER AMOUNT THAN THE CLAIM - NEED A CONSENT ORDER WITH THE CREDITOR)

3) Jefferson Capital filed a secured claim with $0 arrears on a 2006 Nissan Sentra not treated in the Plan. (MP TREATS)


Prop. Plan $880.52 x 5, $943 x 55, Base Plan
- Loan Mod by 3/2027
PTD 5/6 = $4,407.59
Last Claim (11-1)
Email InquiryMatter ResolvedRequest
Adjournment
12510/14/2026 10:00 am26-14376 / EJOMarc C. Capone, Esq.Confirmation Hearing on Modified PlanRecommend DenialDebtor has made 3 of 6 required payments   Arrears: $5,745.00
AS OF 10/6/2026 (at):

Trustee's objection:
- The debtor has failed to provide amended Schedules I & J. (AMENDED)
- The debtor has failed to provide Proof of Income (RECEIVED - DEBTOR IS MAKING MORE MONEY $2,826.68 X 2.16 = $6,105.63)

MP proposes: $1,915 x 3, $300 x 12, $1,533 x 45, 100% plan
Arrears: $5,745
(Loss of income-change of circumstances)
Email InquiryMatter ResolvedRequest
Adjournment
14210/14/2026 10:00 am26-14961 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $563.00
ISSUES AS OF 10/5/2026 (DM):

 Note - 109e is exceeded by a hair. (PENDING MOTION TO EXPUNGE POC (5-1) FOR $500,000 PI CLAIM)

1) NJ Division of Taxation filed a general unsecured claim with estimated taxes for 2020. (UNRESOLVED)

2) Trustee OBJ:
- There is $47,672 non-exempt equity in the real estate.
- Any non-exempt proceeds from PI claim is payable to the Trustee.

***RESOLVED ISSUES***

A) IRS filed an estimated claim which needs to be amended. (AMENDED)

B) Trustee OBJ:
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $563 x 60, Base Plan
PTD 4/5 = $2,252
Last Claim (6-2)
Email InquiryMatter ResolvedRequest
Adjournment
14510/14/2026 10:00 am26-15279 / EJODavid G. Beslow, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $500.00
issues as of 10/6/2026 (JMA)

1) US Trust (RASC)- objection to confirmation - NEED TO RESOLVE
- The plan proposes to cure Secured Creditor's claim through sale of the subject property.
- However, the plan does not provide for the maintenance of monthly post-petition payments pending the sale.
- Further, the plan seeks within 6 months of confirmation of plan or by further extension of Court to sell the subject property.
- Secured Creditor further objects to the Debtor's proposed timeline for sale.
- Secured Creditor objects to any plan that calls for a sale beyond ninety (90) days.
- However, as of the date of this objection, no valuation has been presented to demonstrate the value of the subject property exceeds the aggregate amounts of all liens encumbering the property.
- Secured Creditor objects to any plan which purports to compel the Secured Creditor to participate in a short sale.
- It is anticipated the pre-petition arrears will be evidenced in the amount of $512,382.90. Secured creditor objects to any Plan that does not satisfy and pays the full amount of pre-petition arrears and maintains the regular monthly payment direct to lender outside the Plan pursuant to note and mortgage.
2) Creditor, NewRez LLC d/b/a Shellpoint Mortgage Servicing (Stewart Legal) - NEED TO RESOLVE
- The Debtor's proposed Chapter 13 Plan includes an unknown amount for the debt and notes that the debt will be satisfied via short sale.
proposed plan $500x60 sale 6 months 100%.
- Pursuant to Section 1322(b)(5) of the Bankruptcy Code, the Debtor's Plan should be modified to conform to Creditor's Proof of Claim by reflecting the ongoing maintenance of payments, as well as the total arrearage owed, pending the sale.
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. - The debtor has failed to file a feasible plan'
- Contract for sale does not even pay off the first mortgage. (need short-sale approval)
- The debto
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-15347 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $231.00
Atty uploaded an adj request on Friday to 10/14 to resolve w/ lienholder. Held it for legal meeting result(mk)

Per AR strike language in part 10 that says If the case is either dismissed or converted to Chapter 7 prior to confirmation then the funds on hand shall be disbursed to the debtor's attorney for their fees.



AS OF 8/20/26 (SF)

1. Objection filed by Aero HEC Acquisition I, LLC (Sean Litz) - The Court should deny confirmation of the Plan primarily because it impermissibly construes the Option Agreement as an executory contract and, alternatively, fails to account for the treatment of Creditor's claim should the Option Agreement be rejected. (MODIFIED PLAN FILED TO REJECT CONTRACT -MUST RESOLVE)

Aero HEC Acquisitions filed secured claim 32-1 with no amount listed. (WILL NEED AMENDED CLAIM)

Plan proposes $300 x 8; $600 x 4; $1200 x 24 Base
Payments: $715.38 Received Arrears: $184.62



RESOLVED:
- Motion to Extend Time 7/22 at 9 (GRANTED)


Email InquiryMatter ResolvedRequest
Adjournment
15110/14/2026 10:00 am26-15485 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 5 required payments   Arrears: $500.00
As of 10/8/26 (DS): 1. BELOW ISSUES NOT RESOLVED.

9/2/26 (DS): 1. Trustee obj to the following:
- Must provide 2025 Tax return.
- Must resolve IRS estimated tax claim, 2025 not filed.
- AMENDED SCHED I AND J FILED, INCOME INSUFFICIENT, DISPOSABLE INCOME VERIFIES -$44, PLAN PROPOSE $500.

Prop Plan $500 x 60 begin 6/1/26; Base
Note: Updated auto insurance for 2020 Honda provided 9/1/26. Service done to OneMain 8/2/26 and bifurcated claim does not need to be resolved, car is being crammed. No income needed for Purrfurred Vet and no amended Sched I needed Co-debtor no longer employed there, should have been removed from obj. $627 car payment removed from amended Sched I. Debtors no longer in arrears.
Email InquiryMatter ResolvedRequest
Adjournment
19710/14/2026 10:00 am26-15580 / EJOAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,000.00
AS OF 8/20/26 (SF)

1. The plan proposes to pay residential lease arrears. River Edge Apartments did not file a claim and the bar date expired on 7/27/26 (MUST RESOLVE)

2. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,342 when
determining disposable income.

- The Plan fails to provide for a prompt cure of rental arrears.

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming
the plan.

Plan proposes $500 x 36 Base Plan
Payments: 3/3




RESOLVED:

- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor must provide proof of auto insurance for the 2016 Nissan. (RECEIVED)
- Need Proof of 2 month's income - need pay stubs for new part-time job at Betty Salon that started 6/19/26. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
20110/14/2026 10:00 am26-15723 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $5,020.00
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-15739 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $3,248.00
ISSUES AS OF 10/5/2026 (DM):

 Pending Motion to Sell Real Estate.

1) IRS filed $819.73 priority claim that includes estimated taxes for 2025. (UNRESOLVED)

2) IRS filed a general unsecured claim that includes estimated taxes for 2020. (UNRESOLVED)

3) State of NJ filed $11,882.82 priority claim that includes estimated taxes for 2022 - 2025. (UNRESOLVED)

4) State of NJ filed a general unsecured claim that includes estimated taxes for 2019 - 2021. (UNRESOLVED)

5) US Bank/Selene (RAS) OBJs - $230,715.09 arrears on Wilderness Dr property. (UNRESOLVED)

6) Giora Griffel (HILL WALLACK) OBJs - unsupported valuation in attempt to cram secured claim against Wilderness Dr property. (UNRESOLVED)

7) New Rez (STEWART LEGAL) OBJs - $24,547.02 arrears on Tilton St property. (UNRESOLVED)

8) Plan does not treat Kalamata Capital Group secured UCC-1 lien for $468,576.56. (UNRESOLVED)

9) Lakeside at Medford (TOM ORR) OBJs - $14,567.97 arrears not treated in the Plan. (UNRESOLVED)

10) Plan does not treat Township of Medford $1,925.53 secured claim. (UNRESOLVED)

11) Plan does not treat Kapitus Servicing UUC-1 lien for $100. (UNRESOLVED)

12) Need to serve all creditors affected by the Plan motions including the IRS and MP Group LLC. (UNRESOLVED AS TO THE IRS AND NJHMFA). Note - Giora Griffel filed an objection to the cram.

13) Trustee OBJ:
- Need DSO form. (UNRESOLVED)
- Debtor has insufficient income. P&L statements do not verify what is on Sch I.
- Need CMA on residence - Zillow value is $1,299,900.
- Need proof of income for spouse - the P&L statement does not provide any business expense but normal expenses from household which should be on Sch J. (UNRESOLVED)
- Need Order of support payments for $2,000. (UNRESOLVED)
- Need proof of $1,500 rent payments - debtor is living in Florida. (UNRESOLVED)
- Need 2025 tax return for the spouse. (UNRESOLVED)
- Need amended Sch I for rental income on Tilton St (FILED) and proof of rental income. (UNRESOLVED)
- Confirming order should
Email InquiryMatter ResolvedRequest
Adjournment
17510/14/2026 10:00 am26-15974 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $4,276.00
issues as of 10/6/2026 (JMA)

TO CONFIRM PLAN WOULD NEED TO PAY $17,200 PAID TO DATE, $7,387X55 BEGIN 11/1/2026 WHICH INCLUDES MINIMUM $171,101.73 NON-EXEMPT EQUITY - DEBTOR INCOME IS INSUFFICIENT TO PAY ALL CLAIMS AND NON-EXEMPT EQUITY INTO THE PLAN

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. using proof of income provided there is negative income. The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): -Form 122C-2 Line 45 shows monthly disposable income of $4,143.79 should pay $248,627.40 to general unsecured creditors.
- There is $36,287.09 non-exempt equity in acct #3656.
- There is $110,876.86 non-exempt equity in acct #8382.
- There is $23,937.78 non-exempt equity in JP Morgan Investment. There is a total of $171,101.73 non-exempt equity.
2) There are 3 claims without a filed claim: BMW Financial Services, Stallantis and FigureLend. No money due to the creditors.

proposed plan $4295.29x60 base
paid in $17,200
arrears $4,276.45
last claim 13-1
Email InquiryMatter ResolvedRequest
Adjournment
17610/14/2026 10:00 am26-16015 / EJOWarren Brumel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 5 required payments   Arrears: $2,250.00
10/5 workup EDC

*CONFIRM AT:
$5250 PAID THEN $2400 X 55 BEG 10/1/26 100%--MIN. NON-EXEMPT EQUITY OF $161,581-TRUSTEE WILL PAY FREEDOM MORTGAGE CLAIM

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure arrears of $4,742.65 (Per POC). Plan proposes to pay $0. (RESOLVED - PAY PER POC)

2. Trustee's objection:
- Verified income leaves monthly disposable income of $2,518. (100% PLAN)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED FOR 2022)

--------------------------------------
RESOLVED ISSUES:
- The debtor must provide updated proof of auto insurance for the 2024 Infiniti. The policy provided has expired. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $161,581 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $1,500 x 12 beginning 6/1/2026, $2,100 x 48, 100% plan
Payments: 3/4, arrears $1,500
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16236 / EJOCarlos D. Martinez, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $5,900.00
AS OF 10/7/26(mk)-atty ok to terms

**CAN REC CONFIRM AT $5,900 x 60 Begin 7/1/26 100%
Preserve non exempt equity of $373,569 in real estate.
Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Non exempt proceeds from personal injury suit are to be turned over to the trustee.
Must file pre confirmation certification w/in 14 days of confirmation**




>>>Plan will complete early if payments continue to be made timely each month


-Debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED) Language added


-Plan proposes: $5,900 X 60 beginning 7/1/2026, 100% plan
Payments: 3/4

--------------------------------RESOLVED ------------------------------
- The IRS filed an estimated claim which needs to be amended. APOC FILED
The current Plan does not specify treatment of the two Cross Country Mortgage claims and two Acar Leasing claims under the Plan. (100% PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $373,569 in non-exempt equity in the real estate. (100% PLAN) (LANGUAGE ADDED)
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Non exempt proceeds from personal injury suit are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $5,900 X 60 beginning 7/1/2026, 100% plan
Payments: 3/4
Email InquiryMatter ResolvedRequest
Adjournment
18410/14/2026 10:00 am26-16253 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0
As of 10/8/26 (DS): If obj resolved with both parties via consent order or via disposition calendar button from both parties to pay arrears, can confirm at $1,639 x 60 begin 7/1/26, 100% with a min. div. $53,302 to gucs due to non-exempt equity

1. Trustee obj to the following:
- Proof of income provided from self employment provided, all income verifies total disposable income $3,218.
- There is non-exempt equity in the residence $45,325, Cash $6,325 and Bank accts $1,652 total $53,302.

2. AmeriHome Mtg (DANIELLE BOYLE-EBERSOLE) obj to arrears owed more, POC filed $52,450.44. Must resolve obj.

Prop Plan $1,639 x 60 begin 7/1/26; 100%
Note: Wells Fargo listed as mortgage filed unsecured claim and is listed as open end revolving credit per claim, therefore, therefore there is more equity. P&L statements provided from Door Dash Grub Hub, Uber & Instacart, disposable income verifies $3,218.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16331 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $389.00

10/5 Workup edc

1. TRUSTEE OBJ
- Debtor has insufficient income, disposable income verifies $190, after deducting the difference on auto insurance.
- Add to confirming order non-exempt proceeds from PI lawsuit to Trustee.

2. Exeter Finance (WILLIAM CRAIG) obj that car cannot be cram due to vehicle purchased 3/5/25 less than 910 days before filing. Must resolve obj.

Prop Plan $388.55 x 60 begin 7/1/26; Base
Note: IRS estimated claim amended, no longer estimated. Service to Exeter ok and obj filed by creditor.
---------------------
RESOLVED
- Must resolve the estimated tax claims of the State of NJ 2020 and 2022-2025 not filed. RESOLVED
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16543 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $6,000.00
AS OF 10/7/26 (mk)


1.Regular Bar Date expired - may now have a 109e issue.

2. IRS and State of NJ Taxation filed estimated claims - BOTH STILL ESTIMATED

3 Need to file pre-confirmation certification - STILL NOT FILED

4. Secured Claim filed by ITRIA VENTURES LLC- Judgment- NOT TREATED IN PLAN

5. M&T Bank (2023 Ford Transit) filed claim 5-1 with arrears of $1,258.68
MFR GRANTED 9-26

Plan $3,000 x 60 base plan
2/4/payments
arrears $6,000


------RESOLVED--------
Trustee Supplemental Objection to Confirmation of the Plan DOX PROVIDED
- Why was the mortgage in Debtor's name, on the Astoria, New York property not listed in the petition?
- Trustee requires the following documents from the debtor to be provided within 7 days: Deed to the Astoria property and a copy of the mortgage documents and Note documents for the loan on that property.
- If the property is in a Trust of some kind, then we need to see the trust documents as well.


Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16592 / EJOScott D. Sherman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 10/6/2026 (JMA)

1) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor anticipates filing proof of claim for pre-petition arrears totaling $116,675.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): Need name of attorney handling claims against Freedom Mortgage (BROCK & SCOTT) and Verizon (JORDAN O'NEAL, BANKRUPTCY SPECIALIST FOR AIS INFOSOURCE LP) FOR BOTH CLAIMS 11-1 AND 12-1.
- Amendments to Schedules B to correct no Camero and add the correct auto of a Mustang. AMENDED CLAIM FILED REMOVED THE CAMERO.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $3,668.58.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $19,410 in non-exempt equity in the residence.
- There is $13,637 in non-exempt equity in the Toyota.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).
- Need to resolve objection by Freedom Mortgage.
- Nonexempt proceeds from claims against Freedom Mortgage and Verizon and any other lawsuits are to be turned over to the trustee.
Trustee is authorized to pay arrears on Chase claim #7-1 thru the plan.

proposed plan $1,116x60 100% plan
paid in $4,464
last claim 17-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16615 / EJOWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $1,030.00
AS OF 10/7/26(mk)

>>MOTIONS TO MODIFIY CLAIMS OF IRS AND ST OF NJ ON FOR 11/4/26 IRS did file an APOC but nothing yet from St Of Nj as of this date


1. NJ Division of Taxation filed an estimated claim for priority (missing returns 2022-2024 and secured taxes . (STILL ESTIMATED)

2. Trustee's objection:
- 22C has excessive expenses Line 22 Additional health care expenses $554, Line 34 Mortgage arrears $166.58 (arrears will not be paid for the life of the plan) and Line 35 pending all tax claims filed. Wage Garnishment $959.92- THAT SHOULD NOT BE HAPPENING NOW THAT DEBTOR IS IN A BANKRUPTCY CASE,

SCH J excessive expense: Home maintenance $400, and Medical $850. NEED PROOF OF THESE EXPENSES W/IN 10 DAYS OF CONF.

Debtor not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason:
- Disposable income verifies $2,146.


Plan : $1,030 x 60 beginning 7/1/2026, base
Payment: 3/4, arrears $1,030

------------------RESOLVED---------------------
IRS filed an estimated tax claim for priority taxes , 2025 not filed (APOC FILED)
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Must service Capital One Credit to street address not a PO Box. FILED)

- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor must provide updated proof of auto insurance for the 2016 Toyota. The policy provided has expired. (RECEIVED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11
Email InquiryMatter ResolvedRequest
Adjournment
16210/14/2026 10:00 am26-16647 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 104 of 4 required payments   Arrears: $600.00
As of 10/8/26 (DS): 1. Attorney fees in plan $4,650 and attorney disclosure fees $4,750 do not agree. One of these need to be amended. In order to confirm this case.

Then we can confirm $31,178.61 paid to date 100% to gucs

Prop Plan $300 x 60 begin 7/1/26; Base and Sale of Chesapeake Ct by 7/1/27

Property sold and funds sent to Trustee may pay off the case. (dm)

As of 9/1/26 (DS): Debtor atty requested adj 341 reschedule to 9/17/26, Atty provided proof of TFS payment pending 8/31/26 for $600
Email InquiryMatter ResolvedRequest
Adjournment
19210/14/2026 10:00 am26-16667 / EJOPRO SEConfirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $3,500.00
updated 9/24/2026 (JMA)
issues as of 9/14/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that marks off Part 8a Vesting upon confirmation and Part 8c Trustee standard order of distribution. RESOLVED IN MODIFIED PLAN
- Amendments to Schedules C to take Federal or State exemptions on all assets, not both. Form is blank.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
Disposable income verifies higher than scheduled.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $12,059 when determining disposable income.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).

proposed plan $1,500x24 begin 7/1/2026; $1,750x24; $1,600x12 base plan
paid in $2500
arrears $185
last claim 11-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16893 / EJODavid Jerome Witherspoon, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $300.00
AS OF 10/7/26(mk):

PROPOSED PLAN IS NOT FEASIBLE. $300 FOR 60 MONTHS IS NOT EVEN ENOUGH TO PAY ATTORNEY FEES AND PRIORITY/SECURED CLAIMS.

1. The attorney's fees in the plan ($3,500) and the disclosure statement ($4,550) do not agree. One of these must be amended. (NEITHER AMENDED)

2. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Income verifies higher than scheduled resulting in $2,231 of monthly disposable income

Plan proposes: $300 x 60 beginning 7/1/2026, base
Payments:3/4

------------------------RESOLVED--------------------
- State of NJ filed $1,676.07 priority claim -plan has -0- Tr will pay and language added
- IRS filed $19,781.72 priority claim that includes estimated taxes for 2023 & 2024. (APOC FILED)
-debtor has failed to file the required Pre-Confirmation Certification. (FILED)




Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-16936 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $522.00
UPDATED 10/2/2026 (JMA)
updated 8/27/2026 (JMA)
issues as of 8/26/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation.
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): Need a statement for the TSP loan. NOT PROVIDED
- The debtor must provide proof of auto insurance for the 2016 VW Jetta. RESOLVED, PROVIDED RENEWAL GOOD THROUGH 2/23/2027
- The Plan fails to provide for a prompt cure of rental arrears.
- The IRS filed an estimated claim which needs to be amended. IRS PRIORITY CLAIM $6,856.68 AND IRS GUC CLAIM $65,855.18
- Need proof of bonus income. RESOLVED, ON 6/5/2026 PAYSTUB $760
2) PA Auto Credit and Columbia Group at Hamilton Phase have not filed Proofs of Claim. Bar date passed 8/24/2026
3) Columbia Group at Hamilton Phase IV (Weingarten Law Firm LLC) objection to confirmation - NEED TO RESOLVE
- Debtor currently owes $5,860.85 under Lease and remains in possession of the Premises.
- The Plan does not provide adequate protection or timely cure of defaults.
- Debtor is not current on post-petition rent obligations.

proposed plan $310x60 base plan
paid in $620
last claim 11-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17020 / EJOBrian S. Thomas, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $599.00
issues as of 10/6/2026 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- Creditor is in the process of filing a Proof of Claim in the estimated amount of $310,070.02, including an anticipated arrearage in the amount of $45,676.88.
- The Debtor's proposed Chapter 13 Plan includes an arrearage amount of $40,000.
- The Plan should be modified to confirm to the arrearage amount on Creditor's Proof of Claim when filed.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Mortgage balance statement, if claim not filed, Balance statement for loan deduction on Debtor's pay stub in the amount of $157.28 and 401(k) loan.
- The debtor must provide proof of auto insurance for the vehicles.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Utilities $625, Auto insurance $550 (verifies $280)- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Plan fails to propose the disposable income. Sched I & J show that disposable income is $4,411 and verifies $5,203.
- The current Plan does not specify treatment of US Dept of HUD claim under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): Due to mortgage statement not provided and using Sched D there is estimated non-exempt equity
$34,249 in the residence, pending mortgage statement or claim filed and TD Bank $1,013.
- Capital One Auto filed unsecured claim for 2023 Kia, plan propose to treat claim outside and has payment on Sched J $581. If claim filed as unsecured will be paid as unsecured. This claim has to be
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17056 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 10/6/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document(s): Domestic Support Obligation information.
- There is $406.89 non-exempt equity in acct#7188.
- There is $1,378.31 non-exempt equity in acct #0432
- There is $58,479.29 non-exempt equity in house. TOTAL NON-EXEMPT EQUITY $60,264.

proposed plan $1,010.60 base plan
paid in $4,040
last claim 12-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17144 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $1,410.00
As of 10/8/26 (DS): Debtor atty filed mod plan to mark off 1e and add mtg arrears, will deny the previous plan instead of adjourning, since no creditor objection has been filed

As of 8/31/26 (DS): Debtor atty requested adj to allow time to resolve obj

As of 8/26/26 (DS): 1. Trustee obj to the following:
- Updated income provided, but not much reduction, disposable income verifies $3,881 from $4,362.
- 22C has disposable income $3,431.78, add back $1,962.85 total $5,394.63 which would require min. div. $323,678 to gucs.
- Must provide statements from Bank of America chkg acct#485 from 5/22/26-6/22/26 and Bank of America svgs acct#137 and America Express High Yield svgs acct from 4/22/26-6/22/26.
- Need a mod plan that marks off 1e case jointly administered.
- There is non-exempt equity in the residence $83,100, Jewelry $750 and bank accts pending bank statements.

Prop Plan $1,410 x 60 begin 7/1/26; Dollar Base $73,904
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17299 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $4,151.00
As of 10/8/26 (DS): 1. Debtor in arrears $4,151, made 1 out of 4 payments, last payment made 8/7/26.

2. Trustee obj to the following:
- Must provide statements for 2 whole life insurance policies deducted from pay checks.
- There is non-exempt equity in the residence $5,352 and $2,107 in the stock acct total $7,459.
- Must resolve creditors objections.

3. NJ Housing (STUART WEST) obj to arrears more, POC filed with arrears $54,605.08. Must resolve obj.

4. County Estates Townhouse (THOMAS ORR) obj that plan does not provide legal fees and interest over the life of the plan, claim filed for less.

5. Pro Cap 8 FBO has not filed a claim, plan propose to pay $2,073.45, bar date has passed. Recommend striking and not pay.

6. Carvana claim#4-1 stay relief granted 9/2/26.

Prop Plan $1,384 x 60 begin 7/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17331 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 10/8/2026 (JMA)

1) Meridan Bank in plan to pay $1,850 on 2nd mortgage arrears. To date no claim has been filed and claims bar date passed 9/3/2026. FILED CLAIM HAS ARREARS OF 2,804.67 - PER DEBTOR ATTY CREDITOR TO PAY CLAIM OUTSIDE PLAN.
2) Wells Fargo Bank (RASC) objection to confirmation - RESOLVED, CONSENT ORDER
- Debtor acknowledges the pre-petition arrears due and owing to Secured Creditor are $4,093.52, pursuant to the Secured Creditor's timely filed proof of claim.
- Debtor's plan is hereby modified to pay $4,093.52 to the Secured Creditor in accordance with its claim.
3) Trustee objection to confirmation - NEED TO RESOLVE
- - The debtor has insufficient income. using proof of income provided for spouse, income verifies significantly lower than the scheduled amount.

proposed plan $125x60 base
paid in $504
last claim 26-1
Email InquiryMatter ResolvedRequest
Adjournment
17510/14/2026 10:00 am26-17348 / EJOHerbert B. Raymond, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $3,000.00
issues as of 10/5/2026 (JMA)

1) NJ Division of Taxation priority claim is still estimated. NEED AMENDED CLAIM
2) NJ Division of Taxation secured claim is $394,530.29. NO TRUSTEE PAYMENTS, MORTGAGE PAID FROM SALE
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis for the 2 properties in India. CMA STILL NOT PROVIDED
- A copy of the homeowner's insurance renewal declaration for residence policy provided expired 8/18/2026 and 2 properties in India. CURRENT PROOF OF HOI NOT PROVIDED TO DATE.
- Whole Life Insurance policy statement with valuation amount prior to filing date. NOT PROVIDED TO DATE
- A copy of the deed for the 2 properties in India. NOT PROVIDED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $450, Food $550, Auto insurance $250 (No cars listed on Schedules) and $200 taxes (Must provide proof that taxes are being paid.)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $103 when determining disposable income. INCLUDED IN LIQUIDATION ANALYSIS
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the Property in Indian $80,910, Coins $20,625, Cash $1,000, CashApp
$10, CitiBank acct#772 $29, Bank of America acct#933 $2, Credit Karma acct#573 $11, Credit Karma acct#870 $7, PNC Bank acct#958 $583, Discover Bank acct#389 $25, HMP $22,200, Liquor business $200,000 and Life insurance $5,125 (pending statement). (100%
PLAN)
- Add to confirming order non-exempt proceeds from sale of properties in India and residence to Trustee.
- Must resolve the estimated tax claim for the State of NJ.

proposed plan $1,500x12,
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17416 / EJOStacey L. Mullen, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 10/5/2026 (at):

ORDER APPROVING LOAN MODIFICATION ENTERED 9/23/2026. NO UNSECURED CLAIMS. ONLY ONE TO PAY IS ATTORNEY.

Trustee's objection:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $194,744 non-exempt equity in the residence. (100% PLAN)
- There is $7,028 non-exempt equity in the bank account

Plan proposes: $1,292 x 60 beginning 7/1/2026, 100% plan
Payments: 3/4, arrears $1,292
Email InquiryMatter ResolvedRequest
Adjournment
17910/14/2026 10:00 am26-17524 / EJOJamal J. Romero, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $1,840.00
issues as of 10/5/2026 (jma)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Pending updated Profit and Loss statements. PROFIT AND LOSS STATEMENT PROVIDED, IF THE TOTAL EXPENSES ARE CORRECT, THERE IS ZERO INCOME. HOWEVER, IF THE "EXPENSES" ARE IN THE WRONG COLUMN THEN THERE IS $27,423.14 NET INCOME. DEBTORS COUNSEL NEEDS TO REVIEW AND ADVISE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income. STILL NOT PROVIDED
- Updated Profit and Loss for May and June the document provided has expenses equal to income showing no income generated, which makes no sense.
- Business profit & loss statements PROVIDED, DOES NOT MAKE SENSE- A copy of the last filed tax return for 2025 from spouse. RECEIVED
- Balance statement from Acorn acct and 2 months bank statements from Wells Fargo Bank acct prior to filing date. RECEIVED
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C takes improper exemption of d(12) on Acorn acct. NEED TO AMEND SCHEDULE C.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Tele/Cell/Cable/Internet $636, Entertainment $350 and Estimated Federal and State Taxes $555. Must provide proof that taxes are being paid and proof of expenses 10 days prior to confirmation.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity in the residence. THERE IS $59,984.90 NON-EXEMPT EQUITY IN HOUSE
- Add to confirming order fee app within 7 days from confirming order.
- Add to confirming order non-exempt proceeds from PI lawsuit to Trustee.
- Need a more complete profit and loss for debtor.
- This case may be a fraudulent transfer. Debtor's home was recently transf
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17563 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $1,085.00
as of 10/5/2026 (JMA)

OK TO CONFIRM AT $1,085X60 BEGIN 7/1/2026 100% PLAN

1) Trustee objection to confirmation - RESOLVED
- The debtor has failed to supply the Trustee with the following document(s): proof of renewed snap benefit. RESOLVED, PROVIDED RENEWAL DATED 9/26/2026
- A copy of the deed with the recording info on it. RESOLVED, PROVIDED
- Must resolve State of NJ estimated tax claim, 2020-2025 not filed. RESOLVED, CLAIM AMENDED TO ZERO

proposed plan $1,085x60 begin 7/1/2026 100% plan
paid in $3255
arrears $1085
last claim 4-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17580 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $2,392.00
AS OF 10/5/2026 (at):

1. Objection filed by Nations Lending (Brock & Scott) - failure to cure arrears of $262.73 (Per claim). Plan lists creditor as unaffected. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - Policy expires 10/4/2026. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$650/month for food for one
$180/month for clothing
$650/month for transportation
$1,300/month for taxes (need proof these are being paid)
Need proof of excessive expenses 10 days prior to confirmation. (100% PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $54,947 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- There is $6,037 non-exempt equity in the bank account. (LANGUAGE ADDED)

Plan proposes: $2,392.38 x 60 beginning 7/1/2026, 100% plan
Payments: 3/4, arrears $2,392.38
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17605 / EJOHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $250.00
As of 10/8/26 (DS): 1. OneMain was improperly served on 7/21/26. The proof of claim was filed by OneMain on 7/20/26 with an address where notices to the creditor to be sent PO Box 3251, but was mailed to 601 NW 2nd St instead. Need to reserved this creditor.

2. The mod plan adds real property located at Threadleaf Terrace to be treated outside, but fails to amend Sched A, C and D, and fails to provide recorded Deed, Homeowner insurance and recent CMA. Debtor is listed as joint tenants on real property per mortgage recorded 9/8/2006, even thereafter per claim a loan mod 12/19/20.

3. US Bank-Threadleaf Terr (CORY WOERNER) obj to not in plan, mod plan now addresses as outside, but claim filed with arrears $84.23 and needs to be paid or move against the claim.

Prop Plan $250 x 60 begin 7/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
18610/14/2026 10:00 am26-17620 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,774.00
(amt: also, need order from 9/23 mfr)<>

issues as of 10/5/2026 (JMA)

1) M&T Bank (McCalla Raymer) objection to confirmation -NEED TO RESOLVE
- A proof of claim has been filed with arrears of $21,703.33 on a total claim of $244,820.37.
- The Plan proposes to cure arrears of $15,000 while the actual amount is $21,703.33.
- Absent a modification to fully cure arrears owed, the Plan cannot be confirmed.
2) Pentagon Federal Credit Union (RASC) objection to confirmation - NEED TO RESOLVE
- The creditor's claim evidences a pre-petition arrearage of $21,390.68, whereas the Plan proposes to pay only $17,612.29.
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for TFS within 7 days of confirmation.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Need a statement for the debtor's 401k loan.
- The current Plan does not specify treatment of TD Bank's secured arrears claim under the Plan.

proposed plan $1,774x60 base plan
paid in $3548
arrears $1774
last claim 39-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17745 / EJOTamika N. Wyche, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $150.00
as of 10/8/2026 (JMA)

OK TO CONFIRM AT $300X16 BEGIN 8/1/2026, $1,068X20 BEGIN 12/1/2027 BASE PLAN

1) Trustee objection to confirmation - RESOLVED
- The debtor has failed to file a feasible plan that proposes a tier plan when car payment $768 ends in month 16. MODIFIED PLAN INCREASES AFTER 16 MONTHS TO $1068X20
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $699 non-exempt equity in the 2021 Dodge. RESOLVED, SECURED CLAIM WIPES OUT NON-EXEMPT EQUITY IN CAR
2) Debtor's plan is silent regarding treatment of MOHELA/Student loans. Need to advise Trustee how creditors' claims are to be treated. RESOLVED, PER ATTY STUDENT LOANS TO BE PAID ALONG WITH GUC POOL
3) Need to be current with Trustee plan payments, to date no payments have been made. PAID A PARTIAL PAYMENT OF $150, PLAN PROPOSES MONTHLY PAYMENTS OF $300/MONTH. RESOLVED
4) MODIFIED PLAN PROPOSES $300X16, $1,068X20 BASE PLAN

proposed plan $300x36 begin 8/1/2026 base plan
paid in $750
arrears $150
last claim 10-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that corrects attorney fees owed per disclosure $4,463 and Statement of Financial Affairs. RESOLVED, AMENDED
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that corrects attorney fees owed per disclosure $4,463 and Statement of Financial Affairs. RESOLVED, AMENDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Rent $3,250 RESOLVED, Home maintenance $150 RESOLVED and HOA fees $103 RESOLVED (Does not own home), Utilities $500, RESOLVED, Tele/Cell/Cable/Internet $661 TOTAL ON STATEMENTS PROVIDED IS $328.08/MONTH, Childcare $2,322 PER STATEMENT PROVIDED, SCHOOL C
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17746 / EJOCarol L. Knowlton, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
UPDATED 10/2/2026 (JMA)
issues as of 9/24/2026 (JMA)

1) Trustee objection to confirmation -RESOLVED
- The debtor has failed to file Pre-Confirmation Certification - RESOLVED, FILED
2) IRS priority tax claim is estimated for 2025 - NEED AMENDED RETURN FOR ESTIMATED 2025 TAXES


proposed plan $1,000x60 base plan
paid in $1,000
last claim 8-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17830 / EJOJoseph J. Mania, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
As of 8/28/26 (DS): Debtor atty requested adj to allow time to resolve

As of 8/28/26 (DS): 1. Trustee obj to the following:
- Amended Sched J filed increasing expenses from $2,196.04 to $4,517.33, increased rent from $160 to $1,300, home maintenance $25 to $50 (debtor's does not own home), utilities $380-$390 and now adds past due IRS back taxes $502.33 monthly when the IRS gave a refund to Debtor. Informed atty to provide proof of expenses. Also auto insurance $440 (verifies $115).
- After recalculating debtor's income as school bus driver, disposable income verifies $1,232, no longer $1,894, Debtor's tax refund $6,028 (shown in acct as $5,937.76) was not listed on Sched I. Atty also informed that IRS took Debtor's tax refund, but tax refund is shown in Debtor's bank acct. Atty must provide proof that refund was taken by IRS.
- Must file Pre-confirmation certification.

Prop Plan $100 x 36 begin 8/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17883 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $5,829.00
Per Atty email, debtor not continuing with Bk - no 341 appearance. (dm)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17923 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 3 required payments   Arrears: $1,920.00
issues as of 10/2/2026 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments to date, arrears $1,920
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-17965 / EJOJeffrey H. Ward, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,144.00
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18137 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $1,772.00
AS OF 10/8/2026 (at):

1/3 TRUSTEE PAYMENTS MADE.

1. Objection filed by Metra Industries (Scura Wigfield) - Schedule J fails to account for the $5,000 yearly payments owed to creditor pursuant to April 2011 settlement agreement. (UNRESOLVED)

2. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure full arrears of $36,503.86 (Per claim). Plan proposes to pay $7,668. (UNRESOLVED)

3. Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure full arrears of $4,002.90 (Per claim). Plan proposes to pay $947.76. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file a feasible plan - That propose the non-exempt equity and the disposable income.
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - The Zillow CMA provided dated 7/22/25 is outdated. Checked Zillow and the property is valued $742,600. (NOT RECEIVED)
- Statements from Manasquan Bank from 7/1/26-7/17/26. (RECEIVED)
- The debtor must provide updated proof of auto insurance for the two vehicles. The policy provided expires on 9/7/26. (RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Disposable income verifies $2,383.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $66,633 using the recent Zillow value and pending statement from Manasquan Bank.

Plan proposes: $886 x 60 beginning 8/1/2026, $0 to unsecured creditors
Payments: 1/3, arrears $1,772
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18175 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
11/25/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,450.00
AS OF 10/1/2026 (at):

1. 341 is scheduled for 10/29/2026. (READY)
2. Payments: 2/3, arrears $1,450
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18221 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 3 required payments   Arrears: $500.00
issues as of 10/6/2026 (JMA)

1) 341 was not held 10/8/2026

proposed plan $500x12, $1100x48 minimum $21,000
paid in $1,000
arrears $500
last claim8-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18224 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 1 of 3 required payments   Arrears: $0
Converted to ch 7 9/25/26
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18251 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $4,500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18299 / EJORoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,056.00
341 is 10/8/2026.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18347 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 3 required payments   Arrears: $400.00
issues as of 10/2/2026 (JMA)

1) 341 not held, not rescheduled.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18350 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/8/26 (SF)


1. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $683 when
determining disposable income.

- Add to confirming order Debtor to provide 2 months updated proof of income and 2026 Tax
return 6 months from confirming order for debtor as of now she is unemployed.

- Add to confirming order non-exempt proceeds from Employment and PI lawsuit to Trustee .

- Must file fee app within 7 days from confirming order.

2. Must file pre-confirmation certification



Plan proposes $200 x 36 Base plus n/e proceeds from Employment and PI lawsuits
Payments: 3/3

RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2016 Jeep. The policy
provided expires on 9/15/26. (CERT PROVIDED THAT CAR IS NON-OPERATIONAL)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18365 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $700.00
AS OF 10/06/26 (SF)


1. The IRS filed an estimated priority and unsecured claim 1-1 (NEED AMENDED CLAIM)

2. Trustee objection:

- Need a statement for the Amazon stock account.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$650/month for food for one
$125/month for clothing
$800/month for transportation
Need proof of expenses 10 days prior to confirmation.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,458.00 when
determining disposable income.



Plan proposes $700 X 60 100% Plan
Payments: 2 of 3 Arrears: $700


RESOLVED:
- A copy of 2025 Tax Return
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18382 / EJOEugene D. Roth, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 10/8/26 (SF)

If creditor objection is resolved can confirm with terms below:



RECOMMEND $1769 X 36 100% PLAN W/ MIN DIV OF $98,155 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- OK TO PAY ARREARS CLAIM 6-1 TO FORD MOTOR CREDIT
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 7 DAYS
- TRUSTE STANDARD ORDER OF DISTRIBUTION




1. Objection filed by Ford Motor Credit Company (Stewart) - Failure to propose arrears of $14,326.08

2. Trustee objection:

- The debtor has failed to file the required Pre-Confirmation Certification .

- Need a statement for the debtor's pension loan. (RECEIVED - EXPIRES IN 15 MOS. $463.86 WILL BE AVAILABLE)

- Verified income leaves monthly disposable income of $3,759.

- There is $98,155 in non-exempt equity in the residence. (100% PLAN)

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution


Plan proposes $1769 x 36 100% Plan
Payments: 3/3

RESOLVED:
- Need a statement for the spouse's PERS loan. (RECEIVED, LOAN EXPIRES IN 6.5 YEARS)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18490 / ABAS. Daniel Hutchison, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $457.00
AS OF 10/8/26 (SF)

RECOMMEND $457.20 X 2 (BEGN 8/1/26); $474 X 46 (BEGIN 10/1/26) BASE W/MIN DIV OF $15,001 TO GUCS
- OK TO PAY ARREARS CLAIM 7-1 TO GLOBAL LENDING
- OK TO PAY ARREARS CLAIM 8-1 TO ROCKET MORTGAGE
- PRESERVE NONEXEMPT EQUITY IN REAL ESTATE OF $7,396 IN CONFIRMATION ORDER
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 7 DAYS OF CONFIRMATION
- DEBTOR MUST SIGN UP FOR TFS AUTO PAY WITHIN 7 DAYS OF CONFIRMATION DUE TO NEGATIVE INCOME



1. Global Lending filed arrears claim 7-1 in the amount of $67.84 (OK TO PAY?)

2. Rocket Mortgage filed arrears claim 8-1 in the amount of $641.32 (OK TO PAY?)

3. Trustee objection:

- The debtor has insufficient income. negative income
- The debtor has failed to file the required Pre-Confirmation Certification

Plan proposes $457.20 x 48 Base w/min div of $15,001.04
Payments: 2/3 Arrears: $457.20

Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18509 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $1,890.00
341 is 10/8/2026. (READY)


Order resolving objection by Chase entered - Pay per POC.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18523 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $275.00
issues as of 10/2/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Domestic Support Obligation information Jennifer Hutson
- A copy of the deed for 69 Shining Way, Toms River, NJ (Quit claim deed and property settlement agreement showing transfer to ex-wife in 2020)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $600/month for food for one; $200/month for entertainment; $1,200/month for alimony/support (need copy of order); $698/month car payment. Need proof of expenses 10 days prior to confirmation.
- Capital One Auto filed a bifurcated claim which needs to be resolved.
- The IRS filed an estimated claim which needs to be amended.

proposed plan $275x36 base plan
paid in $550
arrears $275
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18596 / EJOBarry Scott Miller, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 3 required payments   Arrears: $6,165.00
As of 10/7/26 (DS): 341 not held 9/10/26, still missing proof of income, 2025 tax return and mtg statements, also no Trustee payments made, Debtor in arrears $6,164.55, made 0 out of 3 payments.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18647 / EJOPRO SEConfirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 3 required payments   Arrears: $0
As of 10/8/26 (DS): 1. Trustee obj to the following:
- Must provide copy of Title showing ownership of Honda CRV.
- Need a modified plan that propose a loan mod or a refinance, cannot be both.
- Must amend Sched C to take proper exemptions, cannot take 100% of fair market value. Trustee will take the proper exemptions, after Trustee takes all exemptions necessary there is no equity on any assets.
- Must provide proof of VA Benefits of $3,000, if any.
- Must file Pre-confirmation certification.

2. NewRez (ELIZABETH HOLDREN) obj to plan proposing both loan mod and refinance as a means to address pre-petition arrears by 3/30/27 with arrears of $1,170,566.25 and that Debtor has not applied for a loan mod. Debtor filed 2 chapter 13 both cases dismissed and 1 chapter 7 and that case was dismissed. Must resolve obj.

Prop Plan $495 x 36 begin 8/1/26; Base and Refinance or Loan mod on Fabiszewski Way by 3/30/27
Note: Homeowner insurance provided. There is no equity in the residence, the mortgage claim is much higher.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18708 / EJOJeremias E Batista, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $500.00
341 scheduled for 10/8
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18733 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $875.00
AS OF 10/5/2026 (at):

1. Carvana filed a secured arrears claim for a 2022 Acura MDX in the amount of $993.30 which is not in the plan. Is the debtor going to pay this claim?

2. JP Morgan Chase filed a secured arrears claim for a 2019 Acura in the amount of $816.26 which is not in the plan. Is the debtor going to pay this claim?

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)

Plan proposes: $875 x 60 beginning 9/1/2026, base
Payments: 1/2, arrears $875
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18748 / EJOAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $1,248.00
As of 10/7/26 (DS): 341 not held 9/10/26, still missing all docs
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18774 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $2,528.00
AS OF 10/5/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $2,528
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18786 / EJOThomas G. Egner, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/8/26 (DS): 1. Trustee obj to the following:
- Must provide Debtor's cert regarding the $216,000 received one year ago from a lawsuit and any additional proof of funds.
- Need a tier plan when pension loan payment $500 ends in month 7.
- Verified income leaves monthly disposable income of $770.

Prop Plan $250 x 36 begin 9/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18797 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $3,660.00
As of 10/7/26 (DS): 1. Debtor in arrears $3,660, made 0 out of 2 payments.

2. Trustee obj there is non-exempt equity in the residence $67,111 and CashApp $15 total $67,126. RECOMMEND WAITING PASS BAR DATE 10/13/26

Prop Plan $1,830 x 60 begin 9/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18811 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18815 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $1,000.00
issues as of 10/2/2026 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments to date, arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18978 / EJORobert Manchel, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,113.00
AS OF 10/1/26 (SF)

1. Must request adjournment

2. 341 not held - rescheduled to 10/22/26

3. Payments: 1/2 Arrears: $1113
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18991 / EJOPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-18994 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 10/5/2026 (at):

RECOMMEND: $1,500 PAID TO DATE, $1,458 x 58 BEGINNING 11/1/2026,BASE
- Preserve non exempt equity of $76,166 in real estate.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- TD Bank statements for acct#9606 from 6/14/26-8/7/26 and TD Bank acct#5619 from 6/7/26-8/7/26 shown on bank statements #9606. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $76,166. (LANGUAGE ADDED)
- Must provide proof if Sunpower is a lien on solar panels or the real property (NOT RECEIVED)

Plan proposes: $750 x 12 beginning 9/1/2026, $1,500 x 48, $50,000 to unsecured creditors
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19023 / EJOAmy Lynn Bennecoff Ginsburg, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $5,314.00
As of 10/7/26 (DS): 341 not held 10/1/26 still missing homeowner insurance and wet signature, also no Trustee payments made, Debtor in arrears $5,314, made 0 out of 2 payments
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19068 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $300.00
AS OF 10/2/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $300
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19112 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/8/26 (DS): Ok to confirm at $392 x 2 begin 9/1/26, $676 x 58 begin 11/1/26; 100% with a min. div. $49,315 due to non-exempt equity - Emailed atty

1. Trustee obj to the following:
- There is non-exempt equity in the residence $44,579 and personal assets $4,736 total $49,315.
- Sched C over exempts d(5) by $1,400.43.

Prop Plan $392 x 60 begin 9/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19149 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,097.00
AS OF 10/7/26 (SF)


1. Objection filed by Ally Capital (Stewart) - Objects to surrender in full satisfaction (THE PLAN DOES NOT PROPOSE TO SURRENDER 2020 JEEP COMPASS. IT SURRENDERS A 2022 MAZDA CX-5)

2. Trustee objection:

- Need Debtor and Co-Debtor's 401(k) loan balance statements prior to filing. There are two loans. There will be $184 available in 37 months and $113 in 18 months

- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,449 when
determining disposable income.


Plan proposes $1,097 x 60 Base w/min div of $10,000 to gucs
Payments: 1 of 2 Arrears: $1097



RESOLVED:
- The current Plan does not specify treatment of Credit Acceptance (2018 VW Tiguan) under the Plan. (UNAFFECTED PER MP)
- Need a copy of the homeowner's insurance renewal declaration - with personal liability coverage. (RECEIVED)
Must amend Petition to list Debtor's other names as Pedro Serrano Jr. (RECEIVED)
Doc #23 - amended Petition to add Alias name(s)
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor must provide proof of auto insurance for the vehicles. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19171 / EJOErik M. Helbing, Esq.Confirmation Hearing ScheduledContinued
11/4/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,260.00
AS OF 10/8/2026 (at):

RECOMMEND: $1,260 PAID TO DATE, $1,295 x 58 BEGINNING 11/1/2026, $64,977 TO UNSECURED CREDITORS
- Preserve non exempt equity of $44,343 in real estate.
- Preserve non exempt equity of $5,870 in personal property.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules B to correct Rental Security deposit to be $2,295 per signed rental lease agreement provided
- Life insurance is $7,745, not $1,459.71
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C improperly takes d(8) on Rental deposit.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Rent $1,700 (per lease verifies $1,606) and Life insurance $250.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,203 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the Metuchen property $44,343, 2018 Infiniti $768, 2019 Honda $570, Chase svgs acct#587 half interest $50, Chase chkg acct#976 $1,424, Chase chkg acct#759
half interest $510, Chase chkg acct#252 half interest $253 and Rental security deposit $2,295, plus pending statements from bank accts.
- The current Plan does not specify treatment of US Dept of HUD under the Plan.

Plan proposes: $1,260 x 60 beginning 9/1/2026, $64,977 to unsecured creditors
Payments: 1/2, arrears $1,260
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19192 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
11/4/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $488.00
AS OF 10/8/2026 (at):

SHOULD ADJOURN TO AFTER BAR DATE OF 10/22/2026.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$990/month for utilities
Need proof of expenses 10 days prior to confirmation.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $123,097 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $994 x 60 beginning 9/1/2026, 100% plan
Payments: 1/2, arrears $488
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19203 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
As of 10/7/26 (DS): 341 sched 10/29/26 must submit conf adjournment request
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19226 / EJOWilliam P. Bonomo, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 0 of 2 required payments   Arrears: $6,794.00
AS OF 10/2/26 (SF) MP JUST FILED ON 10/5 WITH NEW DATE OF 11/4/26 (Copy of TFS Receipts for two pending payments received)

1. Objection filed by Rocket Mortgage LLC (Wohlrab) - failure to pay arrears of $95,093.35 (MP FILED)


2. Trustee Objection:

- The debtor has failed to file the required Pre-Confirmation Certification

-There is $9,908 non-exempt equity in house.

-There is $4,358 non-exempt equity in Tesla.

TOTAL NON-EXEMPT EQUITY IN THE AMOUNT OF $14,266.


Plan proposes $3397 x 60 100% Plan
Payments: 0/2 Arrears: $6794

Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19245 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $760.00
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19264 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 2 required payments   Arrears: $1,987.00
AS OF 10/7/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by Bank of America (Powers Kirn) - plan does not state that regular mortgage payments will be made pending the sale and does not provide for adequate protection payments. (UNRESOLVED)

2. Objection filed by La Mer IIB Condo Association (Hill Wallach) - failure to cure full arrears of $37,405.74 (Per objection, no claim filed yet). Plan proposes to pay $29.743.25. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2024-2025 (RECEIVED 2024 ONLY)
- Statements from Bank of America accts#5197, #5040 & #6668 from 6/15/26-8/15/26. (RECEIVED - SUFFICIENT NON EXEMPT EQUITY TO PAY 100% ALREADY)
- Amendments to Schedules B and C to add Citibank acct#2749 $950, acct#9936 $7,428 and acct#1456 $2,302, plus whatever amounts are in Bank of America. (NOT AMENDED)
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C improperly takes d(3) exemptions on collectible values $2,000, which should be using d(5).
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 22C Per Line 9 debtor is not paying rent and selling property so the expenses for this property are not being paid and Line34 has mortgage arrears for residential property total $1,269.78, but plan has arrears to be paid at sale and should be removed and Line 35 tax claim amount to be $105,000, claim is estimated $24k and State of NJ per Plan is $15k.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $174,819 and Maryland property $307,125, Citibank acct#2749 $950, Citibank acct#9936 $7,428, Citibank acct#1456 $2,302 and pending bank
statements from Bank of America. (LANGUAGE ADDED)
- The debtor failed to provide reco
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19328 / EJOJoseph Casello, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $970.00
AS OF 10/1/2026 (at):

1. Objection filed by Freedom Mortgage (McCalla Raymer) - failure to cure full arrears of $20,538.05 (Per objection, no claim filed yet). Plan proposes to pay $16,000. (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income. (E-WAGE LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Debtor's 401(k) loan#1 and #2 balance statement prior to filing date. (RECEIVED - ADDITIONAL $654 PER MONTH IN INCOME BEGINNING MONTH 17)
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C improperly exempts jewelry using (d)(3).
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Car payment $855.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $33,226 non-exempt equity in the residence and $10,750 in Jewelry. (LANGUAGE ADDED)

Plan proposes: $970 x 48 beginning 9/1/2026, $20,000 to unsecured creditors
Payments: 1/2, arrears $970
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19409 / EJOPRO SEConfirmation Hearing ScheduledContinued
11/25/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,000.00
As of 10/7/26 (DS): Pro Se Debtors requested adj to allow time to amend plan.
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19490 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 2 required payments   Arrears: $1,660.00
10/1/26 (SF) Adj request denied. not current with payments. Less than 1 payment received
341 not held - rescheduled to 10/29/26
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19520 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,300.00
AS of 10/7/26(mk)

PLAN IS 100% AND BAR DATE IS 10/30/26. THIS CONFIRMATIO SHOULD BE ADJOURNED TILL AFTER THAT DATE


1. Objection by NewRez( Padgett law):
- plan fails to pay full claim

2. Claim filed by EXETER FINANCE LLC for arrears $747.15- plan has unaffected- OK TO PAY?

3. Trustee objection:
- need the declaration page for the proof of home insurance
- must file pre conf cert

PLan:1300 x 60 100%
1/2 payments


-----------RESOLVED-----------------------------
The current Plan does not specify treatment of US Dept of HUD under the Plan ADD LANGUAGE TO TREAT AS CURRENT AND OUTSIDE
AS of now, There is non-exempt equity in the residence $31,130, Collectibles $1,000, TD Bank acct $448 and in
Terminals FCU Sched C over exempts d(5) acct#1129RG has $2,188.35, Debtor's half interest
is $1,094 non-exempt and acct#1129A has $5,020, half interest is $2,510 non-exempt. (100%
PLAN)
PLAN IS 100%
excessive expense items, such as:
Electricity/heat/gas $795, Tele/cell/cable/internet $561 and car payment $817. Must provide
proof of expenses 10 day prior to confirmation. May be moot since plan is proposing to pay
100%.
- 22C has disposable income $5,010.95, which would require min. div. $300,657 to GUCs.
Plan propose 100%.
- Disposable income verifies $4,976, not deducting excessive expenses.
The debtor has undertaken an improper use of exemption. Specifically: Schedule C over
exempts on d(5) by $350, takes full d(1) and only allowed to take d(5) $1,675 and takes d(3) on
collectibles of values $1,000 d(3), should be using d(5), but there is no d(5) remaining.

Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 10:00 am26-19524 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $1,041.00
AS OF 10/5/2026 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that pays 100% to unsecured creditors due to non exempt equity. (NOT FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $226,884 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $1,799 in non exempt equity in the bank accounts. (LANGUAGE ADDED)

Plan proposes: $1,041 x 60 beginning 9/1/2026, base
Payments: 1/2, arrears $1,041
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm22-13284 / EJOJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm23-18035 / EJOJustin M. Gillman, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm24-10317 / EJOPeter J. Broege, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm24-16431 / EJOMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm24-17412 / EJOJonathan Goldsmith Cohen, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsTrustee OBJ
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm25-19396 / EJOJames J. Cerbone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm25-21353 / EJOE. Carlton Kromer, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm26-10430 / EJOAndy Winchell, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm26-11177 / EJOMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm26-12012 / EJOKarina Pia Lucid, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm26-12152 / EJOMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm26-12402 / EJOKarina Pia Lucid, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
010/14/2026 2:00 pm26-17081 / EJOAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes